6054 Merrifield Dr, Zephyrhills, FL 33541
3 beds · 2 baths · 1,494 sqft
WELCOME to 6054 Merrifield Dr., Zephyrhills, FL – Step inside and feel instantly at home. This 3-bedroom, 2-bathroom residence in the desirable Ten Oaks community offers both charm and functionality, perfect for Florida living at its best. As you walk through the front door, you'll be greeted by thoughtful decorator touches the current owners have infused throughout—giving the home a cozy, welcoming feel. The open concept layout features a spacious Great Room accented with shiplap wall finishes, warm decor, coordinating light fixtures, and a seamless flow into the kitchen and dining nook, ideal for entertaining or enjoying daily life. The open kitchen boasts granite countertops, wood cabinets, a garbage disposal, and stylish fixtures that tie it all together. Energy-efficient Low-E insulated windows, R30 attic insulation over the main living area, and an in-wall pest control system (with ongoing service) offer added comfort and peace of mind. The primary suite is a serene retreat with dual sinks, a granite vanity, soaker tub, stand-alone shower, and a generous walk-in closet. Two additional bedrooms provide flexible space for guests, a home office, or hobbies. Out back, a screened lanai creates the perfect spot to unwind and relax overlooking the rear yard. The indoor laundry room sits just off the 2-car garage, which includes a suspended storage shelf system for added convenience. Additional features include a property irrigation system, garage door opener, and low HOA fees. This 2015 Highland Homes Oleander II (c) is a once owner home offering charm and comfort. Life in Zephyrhills: Known for its charm and community spirit, Zephyrhills hosts one of Florida’s largest BBQ festivals, is home to Skydive City, a renowned military museum, and a historic downtown that buzzes with parades, markets, and community events all year long. Enjoy a peaceful setting with easy access to Tampa, Wesley Chapel, and Polk County. This home is a beautiful blend of style, efficiency, and Florida hospitality—don't miss your chance to make it your next home!
Source: STELLAR #W7874469
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #W7874469
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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.