476 43rd Ave N, Saint Petersburg, FL 33703
4 beds · 5 baths · 3,360 sqft
Under Construction. Introducing the Urban Retreat by Bay to Bay Group, located in the desirable Allendale neighborhood. This thoughtfully designed and meticulously crafted single-family home features a detached 3 car garage and an accessory dwelling unit, offering a contemporary living experience for even the most discerning Buyer. This property seamlessly blends location, style, and functionality. On the first floor of the main residence you will find 10' ceilings for an open and airy feel, a sitting area, half bath, guest bedroom with en-suite bath, the dining room, living room, & kitchen. The kitchen is a chefs dream, featuring an oversized island, high-end appliances, & plenty of counter space. As you head up to the second floor you will find 10' ceilings, the second living room, office, laundry, guest room, bath, & the owners retreat. The oversized owners retreat features an expansive walk in closet, and en-suite. Relax and soak the day away in the primary en-suite which feels like a spa like retreat with a walk in shower, dual vanities, and soaking tub. Outback you will find the accessory dwelling unit where you will find a 3 car garage, and an above garage apartment featuring a full kitchen, dining, bedroom, & bathroom. Not only does this home feature designer finishes, it has also been built with the highest integrity and high end materials including: hurricane impact windows and doors, engineered hardwood flooring, 8' interior doors, quartz countertops, premium appliances, landscaping with irrigation system, white vinyl fencing & so much more. This home is located high & dry in flood zone X off the 4th St corridor with close proximity to all that St Pete has to offer including plenty of shopping and dining options, the St Pete Pier, easy access to i275, the beaches & so much more. Come take a look and call it yours!
Source: STELLAR #tb8311909
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8311909
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: #tb8311909
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.