4924 St James St, Winter Haven, FL 33881
4 beds · 2 baths · 1,992 sqft
FILLED with MODERN UPGRADES and designed for EFFORTLESS LIVING, this single-level 4-bedroom, 2-bathroom home offers a SPACIOUS and FUNCTIONAL LAYOUT with HIGH-QUALITY FINISHES throughout. Spanning 1,992 sq. ft. and built in 2018, this home welcomes you with an INTUITIVE DESIGN—upon entry, two guest bedrooms are situated to the left, each featuring WALK-IN CLOSETS, with a shared bathroom nearby, while a third bedroom also includes a WALK-IN CLOSET and connects to the second bath for added convenience. The SPACIOUS PRIMARY SUITE, located in the back left of the home for added PRIVACY, features a WALK-IN CLOSET and an EN-SUITE PRIMARY BATH which includes a STAND ALONE SHOWER and LINEN CLOSET for added STORAGE. At the heart of the home is the OPEN-CONCEPT KITCHEN and EXPANSIVE FAMILY ROOM, perfect for both everyday living and entertaining. The kitchen boasts a LARGE ISLAND with an inserted sink, rich ESPRESSO CABINETRY, sleek GRANITE COUNTERTOPS, and a SEAMLESS FLOW into the OVERSIZED FAMILY ROOM & DINING AREA, creating an INVITING ATMOSPHERE for gatherings. Conveniently located just off the kitchen, the very LARGE LAUNDRY ROOM and access to the attached TWO-CAR GARAGE provide additional functionality and STORAGE options. The DARK WOOD LVP FLOORING ( 3 years old) enhances the warmth and elegance throughout. Outside, the FULLY FENCED WHITE VINYL backyard offers EXCEPTIONAL PRIVACY with NO REAR NEIGHBORS, making it the perfect space to unwind. An EXTENDED COVERED LANAI leads to a cement POOL DECK surrounding a permitted 15’x30’ ABOVE-GROUND POOL with a NEWER LINER (2023), ideal for OUTDOOR RELAXATION and ENTERTAINING. ADDITIONAL UPGRADES include GUTTERS with LEAF GUARD, regularly cleaned air ducts, and a UV LIGHT INSTALLED in the A/C unit (2024) to help prevent mold growth and assist with allergies. This FRESHLY PAINTED (2025) white canvas ALLOWS for a PERSONAL TOUCH of design and color to transform this home into your very own work of art. With No CDD, a remaining 3-yr TRANSFERRABLE STRUCTURAL WARRANTY, a stove and microwave (2 years old), and MODERN EFFICIENCY FEATURES, this home is MOVE-IN READY and designed for easy, LOW-MAINTENANCE living! Enjoy the convenience of Central Florida living, with SHOPPING, DINING, and ENTERTAINMENT just MINUTES AWAY—plus easy access to nearby LEGOLAND for FUN-FILLED FAMILY ADVENTURES!
Source: STELLAR #P4933695
Send questions to support@withroam.com
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
Source: STELLAR #P4933695
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.