617 Timber Bay Cir E, Oldsmar, FL 34677
3 beds · 2 baths · 1,232 sqft
Your Florida Dream Pool Home Awaits! HURRY—This adorable, move-in ready 3BR/2BA single-story pool home is a true gem and won’t last long! Tucked away on a private fenced lot, with conservation behind the lot and no rear neighbors, this home offers the perfect mix of peace, privacy, and pure Florida fun! From the moment you step in, you’ll fall in love with the open floor plan, luxury vinyl flooring, and fully remodeled kitchen and bathrooms (2019) featuring solid surface countertops and gleaming stainless steel appliances. Stay cool and comfy year-round with a newer HVAC system (2018) on a twice-a-year maintenance plan. Hurricane-rated windows (2021), replaced ductwork (2021), and added gutters (2022) give peace of mind and energy efficiency. Additionally solar panels (2021) help keep your electric bills low—just $95/month, and the seller is even covering the $500 transferable fee! Love to entertain? Your oversized pool and covered lanai are made for sunny days, BBQs, and memory-making.Oversized fenced backyard offers total seclusion—plus there’s a storage shed for all your tools and toys, even an EV charging outlet ready for your electric car. Additional features include: Inside laundry room with extra storage and newer washer/dryer (2019). Tile floors in bathrooms for added durability and style. Assumable flood insurance policy for added savings. Sentricon termite protection system (Seller pays transfer). Location, location, location! You’re: 10 miles to Honeymoon Island, 15 miles to world-famous Clearwater Beach, 25 minutes to Tampa International Airport, Raymond James Stadium, and downtown Tampa. The neighborhood is only 4 blocks from Mobbly Bayou Beach and 1 mile to Veterans Memorial & R.E. Olds Parks. This meticulously cared-for home is an unbeatable combination of value, lifestyle, and location. Come see it before someone else claims your slice of Florida paradise! Cat on premises, close exterior doors behind you!
Source: STELLAR #TB8368590
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 #TB8368590
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.