5311 19th Ave N, Saint Petersburg, FL 33710
2 beds · 2 baths · 1,223 sqft
This is “THE ONE” you’ve been waiting for! Welcome home to this beautifully maintained and FULLY UPDATED home located in the heart of St. Petersburg’s desirable Disston Heights neighborhood—a non-evacuation zone with peace of mind and no flood insurance required. This charming residence offers 2 bedrooms, 2 baths, plus a bonus room —perfect for a home office, gym, or playroom. Step inside and enjoy the fresh feel of new tile floors and freshly painted throughout, paired with NEW WINDOWS that fill the home with natural light. The living area includes surround sound speakers, making it ideal for entertaining or cozy movie nights. The open kitchen is in the heart of the home and features plenty of cabinet storage and eat-in dining space. The main bath was fully updated with all new fixtures, lighting, soaking tub with glass enclosure and even a stylish barn door!! Step outside to a fully fenced backyard with a sparkling above ground pool, paved patio and sunshades, ideal for relaxing or hosting BBQs. There’s also a shed with electric and workshop space—great for DIY projects, hobbies, or extra storage. Low maintenance front and back yard! More time to relax in the pool. Additional Features: NEW AC (Feb 2025), New washer and dryer with updated dryer venting system, 2nd bath located in the garage—great for pool or workshop use, NEW reconfigured garage door motor for more functional space, Water softener and whole-house water filtration system, Tented for termites (Sept 2024) for added protection, ask about a warranty transfer. This home blends comfort, upgrades, and functionality—all in a prime location close to parks, shopping, dining, and just minutes from the beaches and vibrant downtown St. Pete. Don’t miss your chance to call this high-and-dry Disston Heights gem your new home!
Source: STELLAR #TB8365755
Financials
Source: STELLAR #TB8365755
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.