4359 Tahiti Dr, Hernando Beach, FL 34607
5 beds · 4 baths · 1,751 sqft
Waterfront Stilt Home on extra large DOUBLE LOT with Direct Gulf Access with 4,070 sqft under roof. LOT and Home can be sold separately, divide the lot and home. Side lot has 50 AMP electric already installed, and impact fees paid. This beautifully maintained two-story waterfront home, built by Wysocki, offers direct access to the Gulf of Mexico from a wide, deep canal with no bridges or locks to navigate. Located on a peaceful cul-de-sac in the charming community of Hernando Beach, this property boasts numerous updates and upgrades, ensuring comfort and convenience. Relax on your upper deck overlooking the Gasparilla Canal that leads directly to the Gulf of Mexico. Beautiful sunsets of orange and pink will dazzle you nightly. Your wrap-around upper balcony is accessible from the main living area as well as the master bedroom. Entertain in your expansive outdoor space, perfect for outdoor enthusiasts, or take the family out fishing for the day. 5 beds (3 on Upper Level, 2 on ground level ) with 4 bathrooms (2 on Upper Level, 2 on ground level) Key Features: Exterior & Structural Updates: New exterior paint in 2022, new roof in 2016, and impact fees paid on attached lot. The property includes a double lot with no deed restrictions, HOA, or CDD fees. Windows & A/C: All new windows upstairs in 2019, with new A/C units installed upstairs in 2017 (17 SEER) and downstairs in 2022, complete with new ducting. Both units are mounted above ground. Interior Renovations: The home offers an open floor plan with a 22-ft great room overlooking the water and a beautiful wood-burning fireplace. Living areas feature luxury tile and natural hardwood floors, with hickory cabinets, soft close drawers, granite countertops, and a glass backsplash in the kitchen. Bathrooms: Both upstairs showers were enlarged and remodeled in 2021 with new tile, glass doors, and vanities. The downstairs bathroom, fully remodeled in 2022, includes a large, tiled walk-in shower with multiple shower heads and a bench. Appliances: The kitchen includes a 2018 Frigidaire refrigerator and dishwasher, a Whirlpool double oven, and a 2022 Whirlpool microwave. Outdoor Living: Dock & Boat Lift: A private 8x16 floating dock with a 10,000 lb. boat lift and 30 amp service at the seawall make this home perfect for boaters. There's a 2024 8x10 composite dock and 100 amp service in the side lot. Landscaping: New fencing (2024), artificial turf in the side yard, and a privacy wall. The property also includes a swim spa with a tiki-style cover, grill gazebo, and cool deck flooring on the patio and garage. Location: Minutes from the public boat ramp and just 15 minutes from US-19, providing access to restaurants, shops, and entertainment. Natural attractions like Weeki Wachee Springs and Pine Island State Park are nearby. Fishing enthusiasts can head out to the flats or offshore waters to catch snapper, grouper, and cobia within minutes from the dock. This home has never had water intrusion, even during major storms. The elevated location and quality construction ensure peace of mind in this serene waterfront setting.
Source: STELLAR #W7868583
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Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #W7868583
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.
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