4217 Sandy Shores Dr, Lutz, FL 33558
4 beds · 3 baths · 2,900 sqft
THIS HOME STOOD STRONG THROUGH BOTH HURRICANES HELENE AND MILTON, WITH NO FLOODING OR DAMAGE, did not even lose power! Discover this beautiful 4-bedroom, plus office, 3-car garage home in the sought-after Heritage Harbor community. With nearly 3,000 square feet of living space, this home is perfect for family gatherings and entertaining. As you step through the double wood doors, you'll be greeted by a spacious foyer and tall ceilings, leading you to the elegant living and dining areas—ideal for dinner parties and holiday celebrations. The wide arched doorway guides you into the kitchen, which boasts solid wood cabinets, abundant counter space, stainless steel appliances, and ample storage, including a pantry. The kitchen seamlessly opens to the oversized family room, featuring sliders that lead to your outdoor oasis. On the first floor, you'll also find a versatile office (easily convertible to a bedroom), a large laundry room, and a convenient half bath. Upstairs, the primary bedroom suite welcomes you with large windows that flood the space with natural light, a walk-in closet, and an en suite bathroom complete with dual vanities, a soaking tub, and a separate glass-enclosed shower. Three additional bedrooms and another full bathroom provide plenty of space for family or guests. Step outside to enjoy your large pool and jacuzzi, set in a pavered and screened-in lanai, offering a gorgeous and private conservation view. Heritage Harbor is zoned for top-rated schools and offers a variety of amenities, including summer camps, after-school care, a community pool with slides, tennis courts, a playground, an 18-hole golf course, a driving range, and the Double Bogey’s Tavern and Grille—all just a short walk, golf cart, or drive away! Additional features include a new roof (2020) and a solar hot water heater (2015). Don't miss the chance to make this exceptional home yours!
Source: STELLAR #t3544513
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3544513
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: #t3544513
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.