4166 Sand Ridge Blvd, Spring Hill, FL 34609
3 beds · 3 baths · 2,015 sqft
Seller is offering $7,500 credit to new buyer that may be used to get a lower rate or lower closing costs. This beautiful MOVE IN READY two-story residence features a two-car garage and offers a spacious layout perfect for comfortable Florida living and has been freshly painted inside and out. The main floor consists of a spacious living room area ideal for relaxation and entertaining. Additionally a large dining room offers a space for gathering and a well-equipped island kitchen, designed for convenience. The guest bath is also located on the main floor. The second floor features the Owner's Suite with dual closets, vaulted ceilings, and a luxurious full bath with a garden tub. Two more bedrooms provide ample space for family or guests. Also includes a bonus area and another full bath upstairs. This home also has hurricane rated windows and doors as well as a built in pest control system. Step into the back yard with a custom stamped concrete patio that is perfect for BBQing and enjoying outdoor activities. Along with a fire pit area for those cozy evening gatherings. The fully fenced yard offers privacy and a great outdoor area for pets. Enjoy living in flood zone X (no flood insurance required). Sand Ridge is a gated community with a playground and sidewalks throughout for your morning walk or evening jog. Just 45 minutes to Tampa International Airport, this community is close to shopping, schools, restaurants, medical facilities, and only minutes away from 589 aka the Suncoast Parkway. Located close to Pine Island (12 miles away) and Weeki Wachee Springs State Park (just 5 miles away). Don't miss local favorites like Brian's Place and Silver Dolphin Restaurant. Other local favs are Mallie Kyla's Cafe, Deli World, or Florida Cracker Kitchen. Schedule your showing today! This Home is also available for lease for $2500 monthly, inquire with listing agent.
Source: STELLAR #W7869847
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #W7869847
Source: Public records
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Other resourcesWhat is Roam?
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
What is an assumable mortgage?
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
Why is an assumable mortgage valuable?
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
How can you find assumable mortgage listings?
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Get Notified” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
How do I qualify for an assumable mortgage?
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
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