4616 95th Ter E, Parrish, FL 34219
4 beds · 3 baths · 2,217 sqft
ONLY 2 YEARS OLD! Step into tranquility and sophistication with this exquisite 4-bedroom, 3-bath home set in a charming, smaller community, boasting serene pond views that enhance its allure. The home features a well-thought-out split floor plan designed for both privacy and seamless living. Upon entry, you're welcomed into an expansive open floor layout that seamlessly integrates the living room, dining room, and kitchen, creating an ideal space for entertaining and daily living. The kitchen stands as the heart of the home, showcasing luxurious granite countertops, a central island perfect for meal preparation or casual dining, and stylish 42-inch cabinets that offer ample storage space for all your culinary needs. Nestled on one side of the home, the primary suite offers a peaceful retreat with stunning pond views, providing a tranquil ambiance for relaxation. The ensuite primary bathroom is elegantly appointed, with a walk-in shower, dual sinks, and walk-in closet offering modern amenities and enhancing the overall sense of luxury. On the opposite side of the home, three additional bedrooms await. One of these bedrooms features its own ensuite bathroom, offering flexibility as a second primary bedroom or an ideal space for guests seeking extra privacy. Another bedroom conveniently connects to the guest bathroom through an adjoining door, providing ease of access and functionality. Outside, the property is beautifully landscaped, creating a serene outdoor oasis that complements the natural surroundings and enhances curb appeal. A 2-car garage ensures convenience and additional storage space, completing the picture of comfortable & suitable use. This home not only promises luxury and comfort but also invites you to embrace the peaceful ambiance of its pond views and the charm of a smaller community, making it the perfect sanctuary for those seeking elegance and tranquility in their daily lives.
Source: STELLAR #a4614066
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4614066
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: #a4614066
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.