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609 Somerstone Dr, Valrico, FL 33594

3 beds · 3 baths · 1,770 sqft

Under contract-accepting backup offers. Prepare to be wowed by this spectacular two-story home, offering an abundance of elegant spaces and coveted amenities. As you step inside, soaring vaulted ceilings and an open-concept layout greet you, creating an airy and inviting ambiance. The living room is a true showstopper, with its ceiling extending all the way up to the second floor, providing a breathtaking sense of grandeur. The heart of the home lies in the kitchen, where granite countertops, sleek stainless-steel appliances and a convenient breakfast bar make meal preparation and entertaining an absolute delight. Retreat to the owner's suite, conveniently situated on the first floor. Here, you'll find a private oasis complete with a spacious walk-in closet and an en-suite bathroom. Features dual vanity, granite countertops and the ultimate pampering experience offered by the gorgeous garden tub and separate shower. Ascend to the second floor, where a cozy loft area awaits, perfect for a home office, reading nook, or a quiet retreat. Two additional bedrooms and a second full bathroom provide ample space for family or guests. Step outside onto the extended covered and screened-in lanai, where you can relax and unwind while enjoying the privacy of your fully fenced backyard. This outdoor space is an ideal setting for alfresco dining, entertaining, or simply basking in the tranquility of your own private sanctuary. This home is part of a vibrant community that offers a wealth of amenities, including a refreshing pool, basketball courts for active lifestyles, a volleyball court for friendly competitions and a playground. Located within minutes to shops, restaurants and a short drive to Brandon Hospital, Westfield Mall, I-75 & I-4. ROOF installed in 2021.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
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Details
Home
Size
1,770 sqft
Price per sq ft
$214
Lot size
0.11 acres
Year built
2001
Type
Single Family Residence
HOA dues
$53.33

Source: STELLAR #t3509395

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

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.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

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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.

View all FAQs
Last updated: Oct 29, 2024 12:03 am
Listing agent: Arveny Vidal Rodriguez LLC (908) 500-3578
Listing provided courtesy of: KELLER WILLIAMS SUBURBAN TAMPA (813) 684-9500
Details provided by STELLAR and may not match the public record.
MLS ID: #t3509395
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.