6440 Stone River Rd, Bradenton, FL 34203
3 beds · 2 baths · 1,635 sqft sqft
Discover the perfect blend of comfort, luxury, and golf community living in this beautifully maintained 3-bedroom, 2-bathroom home, ideally located in the desirable Tara Golf & Country Club. Nestled on a prime lot with stunning views of the golf course, this home offers not only picturesque scenery but also a coveted golf membership included in the purchase. As you step inside, you'll be greeted by a bright and airy open floor plan, featuring a spacious living area perfect for both relaxing and entertaining. The newly installed tile roof and newer HVAC system provide peace of mind, while high ceilings and large windows allow natural light to flow throughout the home. Just off the main living area, you'll find a dedicated office space, ideal for working from home or creating a cozy study. The Primary suite is your personal retreat, offering serene golf course views, a walk-in closet, an en-suite bathroom with large vanity, a soaking tub, and a separate shower. Two additional bedrooms provide plenty of space for family or guests, and the second bathroom is both stylish and functional. Step outside to your private pool and lanai, where you can enjoy Florida’s beautiful weather year-round. Whether you're taking a dip in the pool, lounging with a book, or hosting outdoor gatherings, this backyard oasis offers it all, with the added bonus of spectacular golf course vistas. This home is move-in ready, combining the best of Florida living with the exclusive amenities of Tara Golf & Country Club. With its prime location near shopping, dining, and top-rated beaches, this property truly has it all. Don’t miss this incredible opportunity to enjoy resort-style living at its finest!
Source: STELLAR #a4625639
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4625639
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: #a4625639
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.