6406 S Himes Ave, Tampa, FL 33611
4 beds · 2 baths · 2,102 sqft
Updated one-story block pool home in the Ballast Point area! Starting with a grand paver circular driveway leading stone accented columns to a covered double door glass entry, this extremely functional floor plan has four bedrooms PLUS an office den. This open and well-lit floor plan features a kitchen with 42" upper cabinetry, under cabinet lighting, granite countertops, glass mosaic backsplash, stainless steel appliances, pantry, and an island that seats 3-4 with pendant lighting. A double door entry leads to the office/den area. The primary bedroom suite has dual glass doors leading to the lanai and a large walk-in closet with built-in closet system. The primary bath has an ample shower with seated bench, side body sprayers, dual sink vanity with drawer bank and granite counters, water closet. Double doors lead from the family room to a covered rear lanai (perfect for entertainment!), pool and heated spa complete with waterfall, bubblers, and umbrella stand. The entire area features a pavered deck and has a screen enclosure with plenty of room on the rear and side yards that is fully fenced with PVC fencing. Additional features include: 8’ doors and 9’+ ceilings (11’+ in the foyer); crown molding in living areas and primary; plantation shutters throughout (2024); custom system in all closets (2018); laundry room with upper/lower cabinets and granite counters; coat closet & pantry; in-wall pest system; upgraded lighting & fans; pool pump & heating system (2023); washer/dryer (2023), and a Savant home security system with seven 4k cameras, glass break detection, and CO2 sensors. this owner has put over $140k in upgrades! Excellent proximity to MacDill AFB, Ballast Point Park, and Gandy Bridge. Minutes from Bayshore Blvd, Hyde Park, downtown Tampa, Tampa International Airport all the best that South Tampa has to offer!
Source: STELLAR #tb8311877
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8311877
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: #tb8311877
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.