4301 Canterberry Dr, Holiday, FL 34691
2 beds · 2 baths · 1,259 sqft sqft
Welcome to this beautifully updated and modern home, designed for effortless living and entertaining. Located in a peaceful neighborhood, this property offers the rare benefit of no HOA or CDD fees, and no flood insurance required, giving you the freedom to enjoy your space without any restrictions. Recently renovated in 2021, the kitchen boasts sleek stainless steel appliances, granite countertops, and plenty of storage, while the fully remodeled bathroom adds a touch of luxury with contemporary finishes. The home also features newer systems, including a new A/C, garage door, and electrical panel, ensuring peace of mind for years to come. The durable 50-year Spanish tile roof was replaced in 2001, further adding to the home's long-lasting quality. Inside, you'll find two cozy, private bedrooms, along with expansive living and dining areas that create an ideal flow for family gatherings and entertaining. A large bonus area off the kitchen offers endless possibilities – perfect for a home office, playroom, or recreation space. The fully fenced backyard is an excellent setting for outdoor gatherings, BBQs, or simply relaxing. Additionally, the pool table currently in the home is negotiable. Conveniently located just minutes from downtown New Port Richey, local shopping, restaurants, and outdoor attractions like Cotee River, Key Vista Nature Park, and Anclote River Park, this home offers both a tranquil retreat and easy access to all the essentials. With no HOA fees and a host of recent updates, this property presents an incredible opportunity to own a beautiful home in a private, low-maintenance setting. Don't miss out—schedule your showing today!
Source: STELLAR #tb8310869
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8310869
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: #tb8310869
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.