5068 Neptune Cir, Oxford, FL 34484
3 beds · 2 baths · 1,876 sqft
One or more photo(s) has been virtually staged. With easy access to The Villages, this home is located in the desirable and family friendly area of Lakeside Landings GATED community, convenient to all amenities and shopping! This property has ROOM FOR A POOL and a sizable outdoor entertainment area! With so many options, this home is a must see. As you arrive, the lovely landscaping beds, along with the tropical palm trees provide lovely curb appeal. As you walk up, the elevated and covered arched entryway leads to the glass storm door with side-light. Upon entering, the spacious foyer incorporates inlaid arched designs, SOLAR tube, and LUXURY VINYL PLANK flooring with 10' high ceilings throughout to create the perfect setting for the rest of the home. The great room includes DUAL ceiling fans amongst a large tray ceiling with inset lighting! The architectural ledging and arched entryways add to the space this home offers. The kitchen is just gorgeous with an abundance of cabinet and counter space, QUARTZ countertops, SOLAR tube that makes the quartz sparkle, Dark Stainless Appliance Package, EXPANSIVE breakfast bar, IN-WALL Coffee Machine, Pantry, in-cabinet PULL-OUT trash, ABOVE & UNDER cabinet lighting & PULL-OUT shelving. Dining area is located just off of the kitchen for convenience and overlooks the rear with no houses in sight! The split bedroom floor plan allows for the sizable master ENSUITE to be situated in the rear of the home. A bump out with a bay window creates even more space! The pocket door between the bedroom and bath allows for additional wall space. There are 2 WALK-IN closets, SEAMLESS HIS/HER sinks with beautiful countertops, and a SOLID SURFACE GLASS front shower with built in seating bench and multiple shower heads. A pocket door provides privacy to the 2 guest bedrooms (1 with built-ins in the closet and the other with a BEAUTIFUL Bay Window). This large 3rd bedroom can be used as an office, workout room, flex space or whatever you desire! The 2nd bath offers a comfort height vanity and tub/shower combo. The climate controlled ENCLOSED lanai has been finished beautifully to match the home and consists of luxury vinyl flooring, and a separate A/C unit (with remote control). The INDOOR laundry features GE Front Load Washer/Dryer with a huge sink and plenty of EXTRA cabinetry. This home is a must see! ADDITIONAL FEATURES - Front Door Keypad Auto Lock, ADT Alarm System, New HVAC July 20, 2023, Dimmer Switches. This community is known for it's resort style living and is home to a 13,000sf Clubhouse, Pool, Fitness Center, Card Rooms, Tennis Courts, Basketball Courts, Putting Green, Library, Dog Park, Playground & More! Are you ready to live maintenance free and enjoy the exterior grounds of your home being taken care of by the HOA? Schedule your private tour now!
Source: STELLAR #g5084119
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #g5084119
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: #g5084119
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