VA loan
1 of 52
VA loan
$1,275,000

6126 Marsh Trail Dr, Odessa, FL 33556

4 beds · 4 baths · 3,488 sqft sqft

Discover the pinnacle of elevated luxury in this fully customized 4-bedroom, 3.5-bath exquisite estate home with a heated saltwater pool and an oversized 3-car garage, in the highly sought-after Estate Side of the Tarramor community. Spanning 3,488 sq ft, this single-story, open-concept masterpiece has been meticulously upgraded, offering a lifestyle of refined elegance and high-end functionality. Breathtaking design, thoughtful details, and custom finishes are everywhere you look. Upon entering, you're greeted by 12' ceilings, stunning crown molding, elegant wood-look tile flooring, custom millwork, neutral paint colors, and beautiful lighting fixtures. At the heart of the home is a chef’s dream gourmet kitchen designed for entertaining featuring top-of-the-line GE appliances, including a double wall oven/microwave, a 36" gas cooktop, a built-in convection oven, double stack cabinets with custom upper and lower lighting, and a 42" built-in refrigerator. Luxurious quartz countertops and a ceramic apron sink combine beauty with practicality. The oversized kitchen island is ideal for gatherings, complemented by an expanded walk-in pantry and butler’s pantry with a wine refrigerator. The formal dining area connects the butler’s pantry and kitchen. The Owner’s Retreat ensuite is a private sanctuary with a custom accent wall, bedside chandeliers, coffered ceiling, backlit crown molding, and dual custom walk-in closets. The spa-inspired ensuite bath offers dual showerheads, a shower with a frameless glass enclosure and bench, and an oversized soaking tub. Directly off the living room, you find the office/den with custom wood sliding doors. At the front of the home, an additional ensuite bedroom makes for a perfect guest room. Two additional well-appointed bedrooms include custom closet doors, shelving, and a built-in desk. A versatile game room/flex room with sliding glass doors overlooking the pool area perfectly completes the space. Outdoors, a heated saltwater pool with sun shelf, spa, and tranquil water features is the centerpiece of your private courtyard oasis. The lanai features a retractable SunPro Sunshade, ceiling fans, and stylish lighting for year-round, enjoyment. Lush landscaping, rock gardens, and a fully fenced yard create a multi-level retreat with complete privacy. Enhanced for superior efficiency and comfort, this home is energy-efficient with a tile roof with radiant barrier, hurricane impact-rated windows on the front of the home, hurricane shutters, freshly sealed pavers, a gas connection for the pool heater, gas/electric hookups for the dryer, and LED lighting. This home also features a TB Platinum-level water filtration and soft water system, UV cleaner for the AC system, surge protectors on outdoor AC units, and a pre-plumb gas line for a whole home generator. Exceptional indoor living with functional upgrades includes a mudroom drop zone in the laundry room, custom sliding doors, custom shelving in the family room, feature walls, upgraded lighting throughout, several closets for storage, and framed mirrors in all bathrooms. Residents of Tarramor enjoy a resort-style pool, full fitness center, and clubhouse complete with a full kitchen that may be reserved for private events. Gated community, No CDDs, and No flood insurance required. Zoned for Hillsborough County's top-rated schools and close to airports, upscale shopping, golf courses, and fine dining, this home is truly one of a kind!

Interest rate 3
2.875%
With Roam
6.5%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$2,787
With Roam
$4,118
Reduce your monthly payments by $1,330 when you assume this mortgage.
You also save $432,516 in total interest paid.

$646,033
Edit

You may be able to put down less than the total down payment amount of $646,033 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

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.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Details
Home
Size
3,488 sqft
Lot size
0.39 acres
Year built
2020
Type
Single Family Residence

Source: STELLAR #w7868426

Loan
Remaining term
27 years, 1 month
Rate
2.875%
Monthly P&I
$2,787
Remaining loan balance
$628,966

Source: Public records

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.

Will an assumption work for me?

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An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.

Why do buyers use Roam?

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Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.

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Last updated: Oct 22, 2024 09:40 am
Listing agent: Angelique Golay (813) 787-2932
Listing provided courtesy of: ROCKS REALTY (727) 777-3264
Details provided by STELLAR and may not match the public record.
MLS ID: #w7868426
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 © 2024 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 45 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.
$2,787/mo
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