4969 Kilkenney Way, Oldsmar, FL 34677
4 beds · 3 baths · 2,809 sqft sqft
Embrace the vacation vibe of this home located in the gated community of Aberdeen within East Lake Woodlands Country Club. This stunning 4-bedroom, 3-bathroom home in Oldsmar, Florida, offers luxury living on an expansive .40-acre lot, almost half an acre. The 2,809 sq ft residence features a tile roof, a covered front porch, and beautifully landscaped grounds. Step into your own outdoor oasis, complete with a new heated spa, a pristine chlorine pool with a new pump and filter, and a spacious pavered and covered patio ideal for dining and entertaining. The outdoor kitchen is plumbed with a sink and gas line, ready for your culinary adventures. The fenced-in yard boasts tropical landscaping, creating a serene and private retreat. Inside, the home is adorned with high-end chandeliers, LED can lights, and modern fixtures, exuding a relaxing ambiance and making every day feel like a vacation. The family room, with built-in shelving and a fireplace, offers a tranquil pool view. The open-style kitchen features granite counters, a coordinating stone backsplash, crown molding, crisp white cabinets, and a double-level center island/bar. All bedrooms are generously sized, with the master suite providing sliding doors to the patio and pool area. The ensuite bathroom includes dual sinks, a wide-range vanity, a soaking tub, and a walk-in shower. The versatile fourth bedroom, with its own private split and full bath, can serve as a second master suite, theater room, play/game room, office, library, gym, or any desired space. Additional highlights include a 3-car garage, a new AC system installed in 2022, durable vinyl flooring throughout with tile in wet areas, and elegant built-ins. This spacious and modern home seamlessly blends luxury, comfort, and style in a highly sought-after location. ***The buyer backed out, but we've got a full inspection report available. Don't miss out— Schedule your viewing today!***
Source: STELLAR #t3547091
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3547091
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: #t3547091
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.