6321 Staunton Dr, Holiday, FL 34690
2 beds · 2 baths · 1,689 sqft
NOT IN A FLOOD ZONE! NO HURRICANE DAMAGE! NO HOA! Step into turn-key perfection! This 2 bedroom 2 bathroom PLUS bonus room (easily converted to a 3rd bedroom) is just waiting for you in Holiday Florida. This charming Florida home is nicely appointed and has been lovingly renovated and maintained. The large screened in courtyard is perfect for morning coffee, or winding down at the end of a busy day. The home boasts Luxury Vinyl Plank flooring (2024) throughout. The spacious floor plan is perfect for entertaining with its 42 inch solid wood cabinets, granite countertops, and a large wrap around bar. This home has both a dinette and dining area, allowing for flexibility to incorporate and office. The generously sized Primary suite located opposite the other bedrooms, includes 2 closets and a beautifully upgraded bathroom (2024). The secondary bathroom was also nicely remodeled with high-end fixtures. The Bonus room (mini-split 2024) is currently utilized as extra living space, but could easily function as a third bedroom with simple modifications. There is a lot of value in the garage with screened doors, automatic garage door opener, work bench, and refrigerator creating a handyman's dream workshop. Feel secure in this fortress complete with impact resistant windows, hurricane shutters, a generator outlet, ADT Security system (transferrable), and multiple property cameras. The large backyard already includes an 8x12 custom shed, and has plenty of room for a pool! No need to worry about looming expenses: Roof (2023), Water Softener (2021), Leaf Gutter Guards (2024), 6-zone well-fed irrigation system. Conveniently located 15 minutes from the Tarpon Sponge docks, 15 minutes from Anclote Key, 37 minutes from Tampa Airport.
Source: STELLAR #tb8329831
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8329831
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: #tb8329831
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.