611 Limetree Dr, Oldsmar, FL 34677
2 beds · 2 baths · 1,372 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Under contract-accepting backup offers. HOME DID NOT EXPERIENCE ANY FLOODING FROM HURRICANES. Welcome to Florida living at its finest in this beautifully UPGRADED 2-bedroom, 2-bath home w/ a 1-car garage, SCREENED-IN POOL, & SPACIOUS FENCED YARD. Nestled in the Harbor Palms community JUST STEPS FROM THE OLDSMAR TRAIL, this home benefits from NEWLY PAVED SIDEWALKS AND STREETS. The exterior features a BRAND-NEW ROOF (Feb 2025), STONEWORK ACCENTS & a brand new mailbox enhancing its curb appeal. As you step inside, you’ll immediately feel the warmth of this home’s thoughtful upgrades and inviting OPEN FLOOR PLAN. LUXURY VINYL FLOORING (2022) flows throughout, complemented by CUSTOM MILLWORK, WOOD-TRIM CASING AROUND WINDOWS AND DOORS, and elegant CROWN MOLDING in the main living areas and Primary Suite. The heart of this home is the stunning, FULLY UPGRADED KITCHEN, offering ample space for preparing your favorite meals and hosting gatherings with friends & family. Designed with both beauty and efficiency in mind, the kitchen features TWO-TONED SOLID WOOD CABINETRY, QUARTZ COUNTERTOPS, a HEXAGON TILE BACKSPLASH, and STAINLESS WHIRLPOOL APPLIANCES (2022), including a side-by-side refrigerator with water and ice dispenser, SLIDE-IN RANGE, built-in microwave, and dishwasher. Pendant lighting, recessed lighting, and under-cabinet lighting set the perfect ambiance. A dedicated COFFEE BAR and CABINET PANTRY WITH PULL-OUT SHELVES keep essentials organized and within easy reach, making it the perfect spot for your morning caffeine fix or a quick snack. The kitchen opens to the dining room, where an elegant chandelier that sparkles off the ceiling & accent-painted walls create a stylish gathering space for meals and conversation. The OVERSIZED PRIMARY SUITE is your private retreat with FRENCH DOORS OPENING OUT TO THE POOL and AMPLE SPACE FOR LARGE FURNITURE. It features a WALK-IN CUSTOM CLOSET WITH BUILT-INS & a FULLY UPGRADED EN SUITE BATH with a modern step-in shower with built-in cubby niches & brushed gold/copper fixtures. In this thoughtfully designed SPLIT-PLAN LAYOUT, the second bedroom also features a ceiling fan & easy access to a 2nd full bath with a tub/shower combo. A pocket door in the hallway allows you to close off the entire space, creating a private suite complete with a linen closet—perfect for guests or family. The living space is warm and inviting, with 2 SETS OF FRENCH DOORS leading to the pool and backyard, allowing seamless indoor-outdoor living. Picture lazy afternoons lounging by the WIFI-controlled pool, catching a game on the mounted TV, or hosting weekend BBQs under string lights. The LARGE VINYL-FENCED BACKYARD offers plenty of space to run, garden, or simply unwind. GATES ON BOTH SIDES make access easy. Additional features include: a digital door lock, Ring doorbell, NEWER HVAC WITH ALL-NEW DUCTWORK (2020), NEST SMART THERMOSTAT you can control from anywhere, window blinds & coastal shades & an INTERIOR LAUNDRY ROOM with cabinets, a sink, & electric washer/dryer connections (washer & dryer negotiable).Love the outdoors? You’re JUST STEPS FROM OLDSMAR TRAIL leading to HARBOR PALMS NATURE PARK,& SHEFFIELD PARK, where you can enjoy WATERFRONT HIKING, JOGGING & BIKING, DISC GOLF, BASEBALL, an OFF-LEASH DOG PARK, PLAYGROUND, & more! CENTRALLY LOCATED just a short drive from AWARD-WINNING GULF BEACHES, RE OLDS PARK, SAFETY HARBOR, PHILIPPE PARK, TAMPA INTERNATIONAL AIRPORT, shopping, dining, & sports venues, this home offers the best of Florida living! Welcome Home!
Source: STELLAR #TB8365767
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8365767
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.