4210 Castlewood Dr, Holiday, FL 34691
3 beds · 2 baths · 1,540 sqft
NO HURRICANE DAMAGE! BEST PRICE PER SQUARE FOOT in the desirable Edgewood of Gulf Trace community! Step inside this charming 3 bedroom, 2 bathroom attached villa to see the excellent use of space, greeted by the expansive and well-lit living room featuring tall cathedral ceilings and ceilings fans throughout. The kitchen is the perfect blank slate to make it your own, or simply enjoy as-is, complete with a breakfast bar. Utilize the breakfast nook/eating area as a dining room or transform the front room space into your formal dining area. Primary bedroom off the living room is carpeted and includes an updated ensuite bathroom, complete with vanity space and storage, a private toilet closet, and updated tiled shower. Walk-in closet includes built-ins and shelving. Second tiled bedroom off the living room can be utilized as the Primary/Master, showcasing natural light via both large windows and skylights and private access to the outdoor paved patio space - perfect for enjoying the Florida sunshine! Third bedroom off the hallway provides a separate space at the front of the home, away from the other bedrooms, perfect as a guest room or in-law space. Unit comes with 1 assigned, covered carport parking space with guest parking available. Monthly HOA fee conveniently covers all exterior maintenance, community pool maintenance, cable, internet, water, sewer, and trash. Enjoy access to the community pool and hot tub/spa, a necessity for Florida living. Convenient access to some of Florida's best attractions – Gulf beaches, Tarpon Springs and its Historic Sponge Docs, Key Vista Nature Park, and more.
Source: STELLAR #tb8306330
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8306330
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: #tb8306330
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.