677 E Victoria Trails Blvd, Deland, FL 32724
3 beds · 2 baths · 1,853 sqft sqft
Experience the comfort and convenience in this meticulously maintained, one-owner gem, nestled in the coveted community of Victoria Park. Boasting a prime West-facing orientation, this residence exudes a sense of timeless elegance while offering the ease of a maintenance-free lifestyle, thanks to its youthful 6-year-old construction. Step inside and be greeted by the grandeur of a 20-foot foyer, setting the tone for the spaciousness that defines this home. With 9-foot ceilings enhancing the open concept living space, including the inviting living room, dining area, and kitchen, every corner radiates an airy ambiance perfect for both relaxation and entertaining. Throughout the home, discover the enduring beauty of tile flooring, complemented by plush carpeting in the guest and primary bedrooms. The thoughtful split bedroom floor plan ensures privacy, with two guest bedrooms and a tastefully appointed guest bathroom featuring granite countertops. The heart of the home lies in the gourmet kitchen, where culinary dreams come to life amidst 36" cabinets adorned with decorative crown molding, stainless steel appliances, a natural gas range, and a new Samsung Smart Side by Side Refrigerator with Family Hub. A walk-in pantry and expansive island further elevate the functionality of this space, ideal for hosting gatherings of any size. Adjacent to the kitchen, a spacious inside laundry room, complete with a natural gas dryer, adds to the home's convenience. The primary suite beckons with its generous proportions, boasting two walk-in closets and a luxurious ensuite bathroom featuring dual vanities, a walk-in shower, and a private water closet. Step outside to the screened and roof-enclosed 17x8 patio, facing East to capture breathtaking sunrises and providing the perfect setting for alfresco relaxation. The fenced backyard offers privacy and tranquility, while the community amenities, including a fitness center, park, playground, pool, tennis courts, walking trails, and bike trails, ensure endless opportunities for recreation and socialization. Located just minutes from dining, shopping, and entertainment venues, as well as being a short drive from New Smyrna Beach and Orlando, Victoria Park offers the best of both worlds – a serene retreat with easy access to urban conveniences. With cable, internet, and irrigation included in the HOA, along with the added perks of natural gas water heater and AC, this home epitomizes modern living at its finest. Don't miss your chance to make this exceptional property your forever home!
Source: STELLAR #o6247290
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6247290
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: #o6247290
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.