4551 Taray Ln, Holiday, FL 34690
3 beds · 2 baths · 1,568 sqft
Step inside this beautifully updated home, where modern upgrades and an open layout create the perfect retreat. From the moment you walk through the front door, you’ll feel the warmth of the bright and inviting space. The kitchen was RENOVATED just two years ago, featuring sleek, modern finishes, a stylish center island ideal for entertaining, and NEWER APPLIANCES, including a dishwasher, range, and refrigerator. The spacious living area flows seamlessly into a versatile laundry room that doubles as ADDITIONAL STORAGE. Just off the dining space, the backyard is truly an entertainer’s dream. An expansive, freshly coated concrete patio provides the perfect setting for BBQs, firepit nights, or simply relaxing under the stars. The fully fenced yard even includes a wide gate opening, making it easy to park an RV, boat, or other recreational vehicles. BRAND NEW GUTTERS add to the home's many recent upgrades, ensuring peace of mind for years to come. The primary bedroom is IMPRESSIVELY LARGE, easily accommodating a king-size bed with extra room for additional furniture. The split floor plan offers excellent privacy, with two additional bedrooms that work perfectly as a nursery, home office, or personal gym. Recent upgrades include a NEWER AC & ROOF, along with replaced exterior fascia. Enjoy Florida’s warm evenings in the enclosed front lanai, a cozy spot to unwind. Plus, this home is in an unbeatable location—just six minutes from downtown Tarpon Springs, the famous Tarpon Springs Sponge Docks, and a short drive to Fred Howard Park and downtown New Port Richey! With restaurants, shopping, entertainment, and major highways all within easy reach, this home offers the perfect blend of comfort, convenience, and coastal charm. Don’t miss out on this incredible opportunity!
Source: STELLAR #O6287710
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #O6287710
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.
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.
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.
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.
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.
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.
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.