4208 Pine Isle Dr, Lutz, FL 33558
3 beds · 2 baths · 1,248 sqft
One or more photo(s) has been virtually staged. Recently remodeled in 2024 and move-in ready! This beautifully neutrally remodeled, immaculate Calusa Trace three-bedroom, two-bath sun filled home shows like a model. Step inside your new glass front door entry to brand new - water resistant luxury vinyl wide plank flooring through the entire home with NEW lighting fixtures, ceiling fans and recessed lighting throughout. The newly imagined kitchen with BRAND NEW quartz countertops, cabinetry hardware with top of the line stainless Samsung refrigerator, dishwasher and stove provides the homebuyer with a (1) year manufacturer warranty and bar countertop for entertaining. Plumbing fixtures updated with MOEN fixtures (incl. kitchen disposal) throughout the entire home and new decorative tiling and cabinetry and marble countertops in the master bathroom with walk-in shower and guest bath with new dual-flush toilets. The master bedroom features a vaulted ceiling with a walk-in closet. The two other bedrooms provide ample room. Step outside your new French doors into the newly imagined NEW vinyl fenced backyard that is a lush tropical oasis with NEW mature palms and plants as well a NEW large paver patio providing you with ample room for an in-ground pool or fun BBQ parties. New 2024 water heater, roof and air conditioning in 2016 and are well maintained, washer and dryer are included as well as all appliances, Recent 4-point Inspection is available. Calusa Trace is a wonderful community with a large park and playground area, great schools, low HOA and convenient to St. Joseph’s Hospital North, the Suncoast Parkway, Tampa International Airport, Tampa, MacDill AFB, shopping and restaurants. This location is also adjacent to Cheval Golf and Country Club with private country club memberships available! Book your personal tour today! Seller offering a one-year home warranty with American Home Shield, ShieldComplete.
Source: STELLAR #t3547014
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3547014
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: #t3547014
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.