4228 Spring Way Cir, Valrico, FL 33596
4 beds · 3 baths · 2,979 sqft

Get a free consultation call with an expert in the mortgage assumption process.
PRICE IMPROVEMENT! Welcome to 4228 Spring Way Circle, a spacious 4-bedroom, 3-bathroom single-family home nestled in the heart of Valrico, Florida. Built in 1985, this expansive 2,979 square foot residence offers a blend of comfort, modern upgrades, and convenience. Situated on a generous 0.28-acre lot, the property provides ample outdoor space for relaxation and recreation. The home's layout includes four well-appointed bedrooms and three full bathrooms, accommodating both family living and guest hosting with ease. Offering plenty of room for a growing family! Featuring a huge family room in addition to the living room, and you can work from home with a separate office off of the master bedroom, could an office or a nursery. The current owners have made significant upgrades to enhance the home's efficiency and comfort. Solar panels were installed in 2021, providing energy savings and sustainability. In 2023, a new air conditioning and heating unit was added, ensuring year-round comfort with modern technology. Also featuring High Impact Windows! This property is located in a cul-da-sac and on a pond with a great view. It also has several green houses and water system for the irrigation. This property offers several fruit trees. Plenty of parking for your Boat, RV or additional vehicles. Not to mention the huge screen pool area with a huge outdoor cook center, the third full bathroom and an additional storage room. The garage has been converted to a multi purpose room with AC but can be converted back very easily. Located within the desirable Bloomingdale community, residents enjoy proximity to local amenities, top-rated schools, and parks, making it an ideal setting for families and individuals alike. NO HOAS or DEED RESTRICTIONS! Experience the perfect blend of space, modern updates, and location at 4228 Spring Way Circle—your new home awaits! BUYERS...our Prefered lender is offering a 1 year interest rated buy down. Please contact Kenny Schaaf for details.
Source: STELLAR #TB8340768
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8340768
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.
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.
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.
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.
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.
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.
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.
