4184 Prima Lago Cir, Lakeland, FL 33810
4 beds · 4 baths · 3,032 sqft
Welcome to 4184 Prima Lago Cir, located in the picturesque Terra Largo community! This stunning home, built in 2020, offers 4 bedrooms, 3.5 bathrooms, and a bonus living space upstairs, perfect for families of all sizes. Step inside to discover a beautifully designed interior with tile flooring throughout the downstairs area and cozy carpeting in the bedrooms. Custom built-in features add a touch of elegance and functionality, including a mud wall at the entrance, a built-in wall in the den, a custom drop zone from the garage, and plenty of built-in storage. The downstairs master bedroom features a tray ceiling and a large walk-in closet with built-in organization and drawers. The heart of the home is the gorgeous kitchen, complete with an island, soft-close cabinets, granite countertops, and a convenient butler bar just outside of the pantry. Enjoy cozy evenings in the living room with a custom electric fireplace wall with built-in shelves for hidden storage. Upstairs, you’ll find another large custom built-in entertainment center with lighting, perfect for family movie nights. Bedrooms 2 and 3 share a Jack-and-Jill bathroom and each have walk-in closets. Bedroom 4 also has a walk-in closet and is situated next to the third bathroom. The garage is a standout feature with epoxy floors and built-in shelving, providing both durability and ample storage space. Outdoor living is a dream with a screened lanai featuring beautiful pavers, a custom pergola housing a 5-seater hot tub (needs connected), a built-in wood-burning fireplace with seating, and a grilling area spacious enough for multiple grills or additional seating, all set on more of the beautiful pavers that are on the lanai. The serene backyard offers privacy with no rear neighbors. Terra Largo is a luxury, gated community with resort-style amenities, including a zero-entry pool, hot tub, swim lap lanes, playground, basketball court, pickleball court, tennis court, gym, event space, and lake access with a dock. Don’t miss the opportunity to make this dream home yours! Contact me today for a private showing.
Source: STELLAR #l4946252
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4946252
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What 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.
MLS ID: #l4946252
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.