4264 River Birch Dr, Spring Hill, FL 34607
4 beds · 3 baths · 2,947 sqft
Discover this stunning home, situated on over half an acre in the prestigious and gated community of Lake in The Woods. This sought-after neighborhood offers a unique blend of exclusivity and tranquility, featuring a guard house, gated entrance, perimeter wall, multiple lakes, a scenic walking path, fishing dock, tennis courts, and convenient boat/RV storage. Adjacent to the serene Weeki Wachee Preserve, this home provides an ideal balance of natural beauty and accessibility. Spanning just under 3,000 sq ft of living space, the home offers an exceptional layout designed for both comfort and functionality. Detailed room dimensions are available to highlight the thoughtful distribution of space. Outdoor living is a dream with a 315-sq ft lanai featuring elegant travertine tile, a sparkling screened in-ground pool with a waterfall feature, and a screened enclosure for year-round enjoyment. The expansive 540-sq ft garage is designed to accommodate two vehicles in tandem formation, with additional room for storage or a workshop. A new roof installed in April 2021, along with a professionally engineered leader and gutter system, ensures efficient rainwater flow and positive drainage away from the home. The remodeled kitchen is a chef’s delight, featuring custom wood cabinets with soft-close doors and drawers, luxurious quartz countertops, a decorative backsplash, and a high-end Sub-Zero refrigerator. A spacious center island with a breakfast bar and recessed lighting enhances functionality and style. Designer light fixtures and ceiling fans complete the modern aesthetic. The living room exudes warmth and sophistication, showcasing a full-wall electric fireplace with striking stacked stone detail. The lanai ceiling is adorned with cedar planking, adding a touch of natural charm to the outdoor space. Additional interior enhancements include crown molding, illuminated art niches, and thoughtful finishes throughout. The luxurious primary bathroom serves as a spa-like retreat with a generously sized stall shower and a freestanding soaking tub. The laundry room offers practical convenience with a slop sink and upper cabinets for ample storage. This exceptional home is a must-see. Schedule your private preview today and discover the unparalleled lifestyle that Lake in The Woods has to offer!
Source: STELLAR #w7870673
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #w7870673
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: #w7870673
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.