6615 Ridge Top Dr, New Port Richey, FL 34655
5 beds · 7 baths · 5,991 sqft
One or more photos have been virtually staged. Welcome to this stunning estate in Oak Ridge, set on 1.69 acres in the sought-after Trinity area. Offering the perfect blend of country tranquility and modern convenience, this exceptional home provides ample space to roam while being minutes from top-rated schools, shopping, dining, medical facilities, golf courses, and beaches. Originally built as the personal residence of a master builder, this home exemplifies superior craftsmanship and meticulous attention to detail. Spanning 5,991 square feet, it features five bedrooms, five full baths, and two half baths, creating a seamless balance of elegance and comfort. Recent updates ensure peace of mind, including a new roof in 2023, newer A/C units within the last three years, a 30kW Generac generator with a 500-gallon underground tank (inspected and working perfectly), a water treatment system, and a full electrical and septic inspection in 2024. A long driveway and inviting wraparound porch set the stage for this remarkable property. Adjacent to the main home, a detached four-car garage includes a spacious 1,181-square-foot studio apartment above, complete with a kitchenette and bathroom. This versatile space is ideal for guests, in-laws, a home office, a game room, or rental income. Stepping through the freshly stained double entry doors, the grand two-story foyer welcomes you into a warm and inviting home. Hardwood floors flow throughout the main living areas, leading to a spacious family room with a striking stone wood-burning fireplace. The open-concept design seamlessly connects to a chef’s dream kitchen, featuring abundant cabinetry with decorative glass accents, a large island, a walk-in pantry, and a butler’s pantry leading to the formal dining room. Whether hosting intimate gatherings or grand celebrations, this home is designed for entertaining. A casual dining area by the French doors offers beautiful views of the pool and backyard. The main level also boasts a luxurious primary suite with French doors opening to the pool and hot tub, along with two oversized walk-in closets and a spa-like en-suite bathroom. An additional downstairs bedroom, which could serve as a home office, and a half bath complete this level. Up the grand staircase, the second floor offers another large primary suite with a private en-suite bathroom, as well as two additional bedrooms with ample closet space, one of which includes its own en-suite bath. A spacious gym, designed to be easily converted into another bedroom if needed, leads to a private office area. The loft space, complete with a laundry chute, provides endless possibilities as a media room, game room, or play area. Go back downstairs using the second staircase leading to the kitchen—super convenient. This home is made for outdoor living, featuring an expansive paver pool deck, a resort-style pool with a waterfall, and a relaxing hot tub, all set against the backdrop of mature trees and abundant wildlife. A custom-built treehouse, crafted with the same exceptional quality as the home, offers a fun retreat for children. At the back of the property, a private freshwater creek provides the perfect spot for bass fishing. With plenty of space for boats, RVs, and all your recreational toys, this home truly offers the best of country living with modern conveniences just minutes away. Don’t miss the opportunity to experience this extraordinary property—schedule your private showing today!
Source: STELLAR #TB8350641
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: STELLAR #TB8350641
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.