4425 SE 2nd Pl, Ocala, FL 34471
3 beds · 3 baths · 2,626 sqft
Welcome to Stonewood Estates, where charm, character, and a spa-like retreat await you in this beautifully designed 3-bedroom, 2.5-bath home. Nestled on 0.40 acres, this 2,626 sq. ft. residence is full of cozy corners, inviting spaces, and unique architectural details that make it feel like a private sanctuary from the moment you arrive. From the road, the home’s distinctive curb appeal sets the tone for the warmth and character found inside. Step through the door, and you’ll discover a blend of comfort and elegance, with soft natural light, warm finishes, and thoughtfully designed spaces that invite relaxation at every turn. The oversized kitchen is both functional and charming, featuring rich brown Corian countertops, a built-in office nook, a double convection oven, and Google Smart can lighting. The living room’s dual-sided fireplace adds a cozy glow, perfect for unwinding with a book or gathering with loved ones. At the heart of the home is the expansive 873 sq. ft. Florida room, a true oasis of light and tranquility, complete with four skylights and walls of windows that bring the outdoors in. Whether you’re enjoying a morning coffee, practicing yoga, or hosting an intimate gathering, this space feels like a luxurious retreat. The primary suite continues the theme of relaxation, offering a spa-inspired en-suite bath with dual vanities, a shower-tub combo, and a spacious walk-in closet. The two guest bedrooms, connected by a Jack-and-Jill bathroom with dual vanities, provide comfort and privacy. A large laundry room adds an extra touch of convenience. Step outside to an oversized screened-in porch that seamlessly extends onto a screened deck, creating a peaceful sanctuary for outdoor plants, morning meditation, or evening relaxation under the stars. This home has been meticulously maintained for ultimate peace of mind, featuring a new hot water tank (2024), a newer HVAC system (2022), and a roof replacement (2019). If you’re searching for a home that blends character, comfort, and a spa-like atmosphere, look no further. Schedule your private showing today and experience the tranquility of Stonewood Estates for yourself!
Source: STELLAR #OM696069
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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
Source: STELLAR #OM696069
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.