538 19th St NW, Ruskin, FL 33570
3 beds · 2 baths · 1,296 sqft sqft
Welcome to 538 19th St NW, a charming 3 BEDROOM, 2 BATHROOM, FULLY FENCED, POND VIEW home, equipped with SOLAR PANELS, all while nestled in the GATED COMMUNITY of Mira Lago! You are greeted by an open-concept floor plan boasting a living room, dining room, and kitchen combination, designed for seamless living, offering both spaciousness and connectivity. A charming pass-through window to the kitchen adds both convenience and character, allowing for easy serving and connection between spaces. The soaring vaulted ceilings throughout amplify the space, flooding areas with natural light and adding a touch of warmth to the home's ambiance. This split floor plan offers two bedrooms, and a second bathroom readily located at the front of the home, privately separated from the owner's suite. The generous owner's suite includes a spacious walk-in closet and an en suite bathroom. The additional two bedrooms are ideally situated near the second bathroom, making it perfect for family members or guests. Savor the convenience of a fully outfitted kitchen featuring stainless steel appliances, a built-in pantry closet, and a glass sliding door offering a tranquil view of the pond. Enjoy morning coffee, evening sunsets, family gatherings, and other outdoor fun in the oversized fully fenced backyard; highlighting a patio, pond view, and no backyard neighbors! With solar panels installed, benefit from enhanced energy efficiency and savings through minimal or no electric bills. Community amenities include a resort style pool, playground, and basketball court. Minutes from grocery stores, restaurants, entertainment, and shopping. Conveniently located near I-75, US-41, and US-301 allowing for easy access to Tampa, MacDill AFB, Ybor City, Tampa International, Sarasota, and all the stunning beaches! This home is ready for new owners to take advantage of all it has to offer, be sure to schedule your showing today!
Source: STELLAR #tb8317141
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8317141
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: #tb8317141
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.