4642 Calumet Dr, Saint Cloud, FL 34772
4 beds · 2 baths · 1,723 sqft
Welcome home to this stunning 4-bedroom, 2-bath gem located in the highly sought after neighborhood of Gramercy Farms. From the moment you arrive, the inviting front porch sets the tone for the warmth and character inside. Step through the door to discover an open and airy layout with soaring high ceilings and beautiful laminate flooring that flows seamlessly throughout. The spacious living room effortlessly flows into the kitchen and dining area, creating an ideal space for family gatherings and entertaining. The kitchen is a chef’s dream, featuring a large Corian Island, an abundance of cabinet space, and a walk-in pantry. For added convenience, the home includes an inside laundry room with built-in cabinetry and a custom pet crate. Retreat to the generous primary bedroom, complete with a walk-in closet and a luxurious en-suite bath offering dual sinks, a separate shower, and a relaxing garden tub. The three additional bedrooms are perfect for family members, guests, or a home office. Step outside to the extended screened-in porch, featuring a custom-built pergola—perfect for entertaining or relaxing with loved ones. The large, fenced backyard offers ample space for outdoor activities, family fun, and games. This home is ideally situated near the playground and dog park, providing plenty of options for outdoor recreation. You’ll also appreciate the convenience of being just minutes from historic downtown St. Cloud, offering shopping and dining, and only 30 minutes from Lake Nona Medical City, 45 minutes to theme parks and one hour to space coast beaches. This home won't last long schedule your appointment today.
Source: STELLAR #s5117004
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5117004
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: #s5117004
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.