5699 Siltstone St, Lakeland, FL 33811
5 beds · 3 baths · 2,983 sqft
Don't Miss This Exceptional Opportunity! This beautifully priced 5-bedroom, 3-bathroom home, featuring a bonus room and loft, is ready for its next owner. Located just minutes from the shopping and dining options at Lakeside Village and Publix on County Line Rd., with easy access to I-4, the Polk Parkway, and Hwy. 60, this home offers both convenience and charm. Built in 2022, it promises years of low-maintenance living. As you enter, you'll be welcomed by a versatile bonus room, perfect for an office or additional living space. The home features a mix of vinyl plank flooring and carpet throughout, with ceiling fans in every room for added comfort. Recently repainted, the interior is fresh and inviting. The open-concept kitchen seamlessly connects to the living room, creating an ideal space for both entertaining and everyday life. The kitchen boasts a top-of-the-line reverse osmosis water purification system, a custom glass tile backsplash, and a central island that enhances both style and functionality. Upstairs, you'll find four generously sized bedrooms and a dedicated laundry room for added convenience. The spacious loft area offers endless possibilities—whether used as a second living room, entertainment area, or a quiet reading nook. The large master suite is a true retreat, with serene views of the nearby lake, and features a private ensuite with dual sinks, a separate water closet, and a shower. The ensuite also includes a substantial walk-in closet with room for a makeup vanity or additional storage. Three additional bedrooms share a full bathroom located conveniently between them. This home also includes an in-wall pest control system for added peace of mind. Outside, you'll find custom-installed pavers and a low maintenance vinyl fence. The community offers fantastic amenities, including two resort-style pools, two large playgrounds, and a dog park for your four-legged family members. Sidewalks throughout the neighborhood provide the perfect setting for leisurely strolls or a bit of exercise. Additional highlights include quartz countertops in the bathrooms, a high-quality water softener. This home won’t last long! Schedule your private showing today. The total taxes listed includes the CDD.
Source: STELLAR #tb8328839
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8328839
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: #tb8328839
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.