6615 Ridge Top Dr, New Port Richey, FL 34655
5 beds · 7 baths · 5,991 sqft
If you're looking for a quality, solid, well maintained home you have the opportunity to buy a builder’s own personal home. Not the one he built for someone else, but the one he designed and oversaw every last detail for himself and his family. The house where as much attention was paid to what was behind the walls as there was to the limitless options that everyone sees. Pride of ownership can be seen throughout including NEW ROOF 2023, ALL NEW AC's IN LAST 3 YEARS, FULL ELECTRICAL AND SEPTIC INSPECTION 2024, 30k GENERAC with a 500 GALLON IN GROUND PROPANE TANK and every piece and part tightened, replaced and loved on to get it ready just for you to feel safe in any kind of weather. In addition, this house was built beyond plans and codes. Extra steel double poured bond beam, floor & truss spacing closer for strength - it’s solid! Artfully placed on just under two peaceful acres filled with mature trees, this modern farmhouse inspired home has plenty of space to spread out PLUS an additional detached living unit that could be perfect for in-laws, guests, a bonus room or even be an income earner. Located in the peaceful Oak Ridge neighborhood, just a 10 minute hop, skip from all the convenience of Trinity, you can have the freedom of country living while being close enough to get to shops, restaurants, highways and beaches. Picture relaxing on the charming wrap around veranda as it leads you through freshly stained front doors into the two-story foyer and you'll immediately feel the sense of home. The heart of the home focuses around the open plan kitchen/living area with wood burning fireplace and informal dining area on one side all looking out over the saltwater pool and lush green backyard, and through the butler's pantry to a formal dining room for a more elegant event. Don't miss the copious amounts of storage in the walk-in pantry that leads through to an adorable secret hiding space for the littles. The huge main floor primary suite with two enormous closets and giant en-suite bath, opens to the private screened pool deck so you can pop out to the hot tub jacuzzi right outside your bedroom door. On the other side of the main floor there is a guest room, or it could be used as a main floor office with loads of storage. Up the sweeping staircase, the second floor offers another giant primary suite with en-suite bath and two additional bedrooms, one en-suite and one shares with yet another room that while used as a gym leading into a private office, was planned to easily be turned into a 6th bedroom as the closet space is already there and ready for frame and doors. The large loft/playroom/bonus area - with laundry chute - on the second level is perfect for a hangout area and don’t miss the second staircase leading back down to the kitchen. If all that space isn't enough, there is another 1181sf (not included in total sf) of studio space with full bathroom and kitchenette above the detached oversized 4 car garage. Wander through the wooded trail, past the treehouse that was built to withstand any storm (builders - they can't do anything halfway) and enjoy catching large bass in the creek, the abundant nature and the freedom to roam. Your RV, boat, toys and animals can all fit here. This is the place to create your utopia. LISTED AT APPRAISED VALUE. **Watch fly-through video and virtual walk-through**
Source: STELLAR #t3511900
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3511900
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: #t3511900
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