6116 Parkset Dr, Lithia, FL 33547
4 beds · 4 baths · 2,952 sqft
Charming, well maintained 4 bedroom plus an office, 3 1/2 bath home in the Fishhawk Ranch Garden District located directly across from the Aquatic Club. Just a short walk to Fishhawk Creek Elementary School & Park Square to enjoy a slice or pizza, ice cream or the splash pad. The quaint setting of the Garden District features distinctive architecture with large covered front porches and alley garages. This amazing 2 story home features a BRAND NEW ROOF and a large rear entry garage to the main home. All new carpet throughout, new sod, water heater was installed in 2023, exterior was freshly painted in 2021, central vacuum was replaced in 2020. Entering from the covered front porch you'll find the office space to the left, a formal dining room to the right and a half bath in the center hall. The huge kitchen is a chef's dream with wood cabinets, stone counters, a large center island & stainless steel appliances all overlooking the impressive 2 story family room with built ins & speakers. An open breakfast area leads to the large laundry room with lots of storage. The private 1st floor primary suite can be found at the rear of the home boasts a tray ceiling, dual vanities, a walk in shower and spa like soaking tub with jets. The second floor features an oversized open loft area for additional flexible living space, 2 bedrooms sharing a jack-n-jill bathroom plus another large bedroom & full bath - perfect for guests. The highly desirable Fishhawk Ranch community features resort style amenities - pools, fitness centers, sports courts, miles of trails, parks, playgrounds and even a skate park. Conveniently located near top rated schools, shopping, dining, hospitals & a short drive to Tampa, MacDill AFB, the Gulf beaches & the magic of Orlando.
Source: STELLAR #TB8358840
Financials
Source: STELLAR #TB8358840
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.