4873 Lake Charles Dr N, Kenneth City, FL 33709
2 beds · 1 baths · 1,062 sqft
One or more photo(s) has been virtually staged. Welcome home! Solid block residence, high, dry & secure. Situated in a quiet, family-friendly neighborhood in the heart of Pinellas, this 2 bedroom, 1 bathroom, 1 car garage beautifully updated and maintained home has everything you could want or need. *UPGRADES & SPECIAL FEATURES include a *BRAND NEW ROOF* installed prior to closing with a reasonable offer, newer HURRICANE RESISTANT windows (2019), solar panels (2019) with a "smart" monitoring system providing a minimal electricity bill, HVAC routinely serviced, fully updated bathroom, newer gorgeous LVP flooring, new baseboards, fresh interior paint from top to bottom, garage freshly painted, all new doors and hardware, HURRICANE RESISTANT front door, new blinds, new recessed lighting, fans, and fixtures, Ring doorbell, water filtration system, newly tiled patio, upgraded cellulose insulation in the attic, newer washer, laundry sink, garage door opener, “smart” irrigation system, and updated landscaping! FLOOD ZONE X.* As you enter this stunning property, you will feel right at home! Notice the open concept floorplan perfect for entertaining, light bright windows, and lovely wood-look luxury vinyl plank flooring throughout. The well-laid out kitchen has ample counter space, an updated pantry, and sleek, black appliances. The large living room, dining room, and family room areas all flow together nicely. The bathroom was recently fully remodeled from the beams out, providing a custom tiled shower and gorgeous high-end finishes. Both bedrooms are spacious and have plenty of natural light and storage. Outside, you can relax on your covered, enclosed, newly tiled patio overlooking your expansive, pool-sized, lush, fenced backyard. *No HOA fees, CDD fees, or flood insurance required.* Minutes to schools, parks, grocery stores, restaurants, and shopping. Downtown St. Petersburg with the new Pier, endless diverse culinary options, entertainment venues, museums, hospitals, shopping, golf, baseball, and top-rated pristine beaches are all within a few miles- it’s all about LOCATION! Don’t delay! Schedule your appointment to view this charming home today!
Source: STELLAR #u8249809
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8249809
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: #u8249809
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.