421 77th Ave, St Pete Beach, FL 33706
2 beds · 1 baths · 942 sqft
Secluded Oasis in the Heart of St. Pete Beach! Tucked away in a prime yet peaceful location, this solid block and brick coastal retreat is just steps from Corey Avenue’s vibrant shops, restaurants, farmers market, and the sparkling Intracoastal Waterway. A quick bike or golf cart ride brings you to Upham Beach on the Gulf of Mexico, making this the perfect vacation home, investment property, or personal sanctuary while you rebuild elsewhere. While listed at 942 sq ft, this home lives much larger—closer to 1,469 total sq ft—with an expansive layout, open flow, and undeniable beachy vibe. Sunlight floods the space through hurricane-rated windows adorned with classic plantation shutters, enhancing the bright and airy feel. The open-concept living area flows seamlessly into the kitchen and dining space, creating an inviting atmosphere for everyday living or entertaining. Step outside and be wowed by your private backyard retreat, complete with travertine pavers, lush pet turf, a Quartzite bar top, and a pergola draped with curtains for shaded relaxation. An outdoor shower adds a true coastal touch, perfect for rinsing off after a day at the beach. Practical upgrades include a new Quartz kitchen countertop with updated appliances installed in December 2024, a Rheem tankless water heater, updated electric panel and house rewiring, and an HVAC system serviced annually for optimal performance. The upgraded Belgard paver driveway leads to both a covered carport and a detached garage—ready for your creative vision, whether it’s additional storage, a workshop, or a guest suite conversion. Located just minutes on foot or bike to The Helm, Mastry’s Brewing Co., the new Corey Avenue Theatre, La Croisette, Chill Restaurant, and more, this home offers the best of beach-town living while maintaining a tucked-away feel. Unlike many properties in the area, this home was minimally impacted and is completely move-in ready. No major repairs—just bring your vision, and if you desire, add a pool to elevate your private paradise. Opportunities like this are rare—schedule your private tour today!
Source: STELLAR #TB8343620
Send questions to support@withroam.com
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #TB8343620
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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 “Save search” 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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.