6109 Schooner Way, Tampa, FL 33615
3 beds · 2 baths · 2,469 sqft
Get a free consultation call with an expert in the mortgage assumption process.
PRICE IMPROVEMENT! Presenting an unparalleled opportunity to acquire a luxurious waterfront estate in the exclusive, gated community of Bay Port, offering direct access to the pristine freshwater bay and an unmatched lifestyle of tranquility and refined elegance. This meticulously renovated residence combines sophisticated upgrades with the natural beauty of its surroundings, creating an exceptional living experience. Upon entry, soaring vaulted ceilings and expansive living areas immediately captivate, designed for both serene living and sophisticated entertaining. A wood-burning fireplace serves as the centerpiece, adding warmth and character to the open-concept layout. The home’s stunning waterfront views are prominent, with 76 feet of prime access to the bay, ideal for boating enthusiasts and nature lovers. Step outside to your private oasis, featuring a newly resurfaced saltwater pool, lush landscaping, and a screened lanai that extends the living space outdoors—perfect for both relaxation and entertaining. The gourmet kitchen, a chef’s paradise, showcases opulent granite countertops, sleek stainless steel appliances, and a spacious breakfast bar. A custom wet bar with matching granite and a wine refrigerator creates the ideal space to unwind. Adjacent to the kitchen, a versatile Florida room offers endless possibilities as an office, game room, or additional lounge space, with sliding doors framing panoramic water views. The primary suite offers generous space and privacy, while the renovated en-suite bath provides a spa-like retreat, featuring dual vanities, quartz countertops, an enclosed shower, and a free-standing soaking bathtub. Over the years, this home has been meticulously upgraded to ensure both modern comfort and safety. Key enhancements include the installation of a new breaker panel and hot tub wiring in 2020, followed by PGT storm-rated windows in 2021 and PGT storm-rated doors in 2022. In 2023, the property saw the addition of a new dock & sun deck, pool resurfacing, and surrounding pavers, while 2024 upgrades featured a new water heater, pool pump, and salinity cell and control system. Notably, the property DID NOT FLOOD during the previous two hurricanes, offering peace of mind regarding its resilience. For boating enthusiasts, the 11,000 lb boat lift offers easy access to the bay for leisurely cruises or a day on the water. Conveniently located near top-tier schools such as Berkeley Prep and just 15 minutes from the airport, the property ensures easy access to both sides of the bay and nearby beaches. Additionally, the Bay Port community offers a yacht club membership, enhancing the appeal of this exclusive waterfront lifestyle. This exceptional home invites you to indulge in a lifestyle where nature’s beauty and luxury living converge—truly one-of-a-kind and ready to welcome its next discerning owner. Property DID NOT FLOOD during Hurricane Helene or Hurricane Milton. FYI, a BRAND NEW ROOF has been installed by Westfall Roofing with a transferable warranty.
Source: STELLAR #TB8361409
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 #TB8361409
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 and Equal Opportunity Act.