6223 3rd Ave N, Saint Petersburg, FL 33710
4 beds · 2 baths · 1,834 sqft
Price adjustment a true 4/2 pool home in beautiful Lake Pasadena. No damage at all with the storms and no flooding in a very high and dry area. Sitting on almost ¼ acre, a large spacious lot to enjoy and entertain. This massive pool was resurfaced in 2023 and is surrounded by brick pavers. New privacy vinyl fence installed in 2023. This home has original hardwood floors with nice charm throughout. Spacious master suite with a very large 2nd bedroom. Light and bright home with large windows in the living room. An open and spacious layout with an additional den or multi-purpose room, could be a separate dining room as well. Solid granite countertops in the kitchen with barstools for a breakfast area. There is a covered and screened porch lanai overlooking the pool and backyard. Providing additional space for the home in a very peaceful setting. French doors lead out to the pool and there is a separate interior laundry room. There are 2 sheds, one is very large located in the backyard with a small AC unit and electric. A second shed is attached to the side of the home with electric, great for decorations and other storage items. Lots of storage is available on site. Alley access with a parking pad for additional and convenient parking. There is a separate laundry room inside for convenience with plenty of room to organize and separate clothes along with storage for pantry items. Lake Pasadena is a highly desirable neighborhood with 2 beautiful lakes in Lake Pasadena and Lake Disston. A truly great area for walking, bike riding, feeding the ducks by the lake and enjoying nature. Bear Creek Park is around the corner to enjoy activities and the kid’s park. Nestled in a perfect location in Central St. Pete providing easy access to St. Pete Beach, Treasure Island and vibrant downtown St. Pete within 10 minutes. Enjoy nearby Gulfport and the art district along with their shops and restaurants, also just minutes away. Hop on the sun runner just blocks away to head downtown or to the beach and avoid parking. The surrounding area is filled with shopping, restaurants and professional services. No Flood insurance required.
Source: STELLAR #u8244359
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8244359
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What 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.
MLS ID: #u8244359
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