6330 CEDAR CT, Lakeland, FL 33813
This immaculately maintained home features over 3,000 square feet, 4-bedrooms, two of which are primary bedroom suites, with 3.5-bathrooms on half of an acre of property. Nestled within the Oaks of Christina, this captivating home, tucked away in a tranquil cul-de-sac on a generous lot, emanates charm and elegance. Upon entering through the grand wooden double doors, you're greeted by a stunning living space that inspires awe. The great room boasts a majestic cathedral ceiling, inviting in ample natural light through its windows and skylights, and features a striking two-sided brick fireplace, adding warmth and character to the ambiance. Triple sliding glass doors, embellished with custom shutters, lead to a 29x12 screen-enclosed lanai with ceramic tile flooring, seamlessly connecting to an expansive 800-square-foot deck, ideal for indulging in the serenity of the lush fenced backyard. The kitchen and dining area share the allure of the dual-sided fireplace, creating a culinary haven. Solid wood cabinets, granite countertops, and a breakfast bar grace the kitchen, while French doors open from the dining area to the deck, complemented by a built-in desk and charming window box. This residence offers the luxury of two primary bedroom suites, one on each floor, each equipped with its own en-suite bathroom and AC system for personalized temperature control. The main floor suite is a true retreat, boasting gleaming wood floors, French doors opening to the patio, and a spa-like bath with a garden tub, glass block accents, dual vanities with a makeup area, and a spacious walk-in shower. Convenience is paramount with a large laundry room featuring a wash sink and adjacent half bath, alongside abundant closet and storage space. The property further includes a pavered walkway leading towards two storage sheds for garden tools and more, with a 30 amp plug available on the side yard for an RV. Recent updates include an interior paint refreshment in May 2024 and upgraded thermostats to Wifi and cellular-controlled Honeywell Home ProSeries. The main level primary bedroom AC, range, and dishwasher were each replaced in 2023. This home is conveniently located close in proximity to several South Lakeland schools, fitness centers, grocery, dining, shopping and more. Don't miss the opportunity to experience all that this exceptional home has—schedule your showing today!
You may be able to put down less than the total down payment amount of $240,484 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
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?
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.
Will an assumption work for me?
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?
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.
MLS ID: #l4945211
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.