4480 Ironwood Cir Apt 315a # 315A, Bradenton, FL 34209
1 beds · 1 baths · 750 sqft
**THIS PROPERTY QUALIFIES FOR A 1.5% LENDER INCENTIVE IF USING PREFERRED LENDER. INQUIRE FOR MORE DETAILS.** Welcome to Ironwood, an active 55+ community where this beautifully updated third-floor, fully furnished condo awaits you! This building has weathered recent storms without issue and recently passed a building integrity inspection, ensuring your safety and peace of mind. Featuring 1 bedroom, 1 bathroom, and a screen-enclosed balcony, this home combines modern updates with exceptional comfort and style. In 2022, the kitchen was completely remodeled with sleek cabinetry and stainless steel appliances, creating a contemporary and functional space. That same year, the windows and sliding door were upgraded to impact-resistant glass, enhancing safety and energy efficiency. The updates continue with a bright, airy main living area, ideal for both relaxation and entertaining. In 2023, the condo received a new HVAC system for optimal climate control, and the HOA installed a new roof, providing added peace of mind. As you enter, you’ll find a dining area bathed in natural light from a large window, setting a welcoming tone. The living room, equipped with a convenient storage closet, opens to the balcony through sliding glass doors, blending indoor and outdoor living seamlessly. The updated bathroom adds a fresh, modern touch to your daily routine. For added convenience, laundry centers are located near the elevator on each floor. The Ironwood community offers residents cable and internet and a wealth of amenities just steps away, including a clubhouse with a pool, shuffleboard, and a sauna, all included within the monthly HOA. Enjoy the nearby walking and biking trails or take advantage of the Pinebrook Ironwood Golf Course located close by. Centrally located, you’re just a short drive from the beautiful Gulf beaches and within easy reach of shopping, dining, and entertainment options such as Publix, Aldi, and GT Bray Park. Whether you're looking for a seasonal retreat or a smart investment opportunity, this condo offers the perfect blend of comfort and convenience in a vibrant community setting.
Source: STELLAR #a4619088
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4619088
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: #a4619088
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.