5413 Cafrey Pl, Apollo Beach, FL 33572
3 beds · 3 baths · 2,612 sqft
SELLER MOTIVATED! This waterfront maintenance free townhome seamlessly combines comfort and convenience, featuring three bedrooms, including a primary suite located on the first floor. Enjoy open living areas, a charming front porch with water views, a private patio, and a two-car garage. MiraBay is a highly desirable waterfront community known for its extensive amenities, vibrant clubs, and year-round events for residents. With maintenance-free living, the monthly fee includes groundskeeping and water services. As you enter this bright and spacious townhome, you will be greeted by an open living area bathed in natural light and views of the water from multiple windows. The eat-in kitchen features stone countertops, stainless steel appliances, and ample cabinetry for storage. The expansive primary suite serves as a tranquil retreat, complete with a large walk-in closet featuring custom shelving and an en-suite bathroom that includes a walk-in shower, a relaxing tub, and dual sinks. Upstairs, two additional bedrooms share a Jack and Jill bathroom, while the versatile loft space can be used as an office, play area or media room. Recent updates include new A/C units installed in 2018, a new water heater in 2024, and exterior paint completed in 2023. The homeowners' association covers all exterior maintenance, FLOOD & PROPERTY INSURANCE, pest control, exterior painting, a metal roof + reserves for future replacement, weekly landscaping, and both interior and exterior water services. This townhome is just steps away from the MiraBay Resort Style Clubhouse, which offers a wide range of amenities, including a recreation center, heated pool, waterslide, spa, gym, playgrounds, café, lounge, and pickleball, tennis, and basketball courts. Residents also have access to kayaks, sailboats, and paddle boards. In addition to its resort-style amenities, this townhome is conveniently located near downtown Tampa, MacDill AFB, St. Petersburg, Sarasota, and the Gulf Beaches. This move-in-ready townhome is sure to impress! Schedule your visit today to experience the vibrant lifestyle that MiraBay has to offer.
Source: STELLAR #TB8307598
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: STELLAR #TB8307598
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.
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 “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.