7006 N Duncan Ave, Tampa, FL 33604
3 beds · 3 baths · 1,497 sqft
Get a free consultation call with an expert in the mortgage assumption process.
--- SELLER WILLING TO CREDIT TO THE BUYER AT CLOSING UP TO $12,500--- Step into this delightfully unconventional 2-bedroom, 2-bath home with a SEPARATE GUEST HOUSE/Accessory Dwelling Unit (ADU)/Separate living quarters/Private casita. The detached home/suite adds to the home's appeal, providing additional living space or rental income potential. The ADU is fully equipped with its own bathroom and living area, ensuring comfort and privacy for your guests or tenants. Located in in the heart of Seminole Heights, one of Tampa’s most desirable neighborhoods, this unique property’s main residence features a kitchen tucked at the front of the home. Modern Convenience Meets Sleek Style! This home is thoughtfully upgraded with stunning quartz countertops and a suite of high-end, WiFi-capable Samsung appliances — including a Flex refrigerator, smart stove, and washer/dryer — all under 4 years old. Enjoy whisper-quiet cleanups with the premium newer Bosch dishwasher. Perfect for those who appreciate style, functionality, and peace of mind. This kitchen is thoughtfully designed to maximize every inch and provide modern conveniences. Designed with ease of maintenance in mind, the kitchen features materials and finishes that are simple to clean and maintain. As part of the kitchen, an inviting dining area with built-in sidebar and shelving for extra storage, is the perfect for an intimate dinner gathering or relaxing over morning coffee. Just off of the kitchen/dining area is a stylish and efficient butler's pantry. This clever space is designed to maximize storage and functionality. With sleek cabinetry, ample shelving, and countertop space, it offers a haven for organizing kitchen essentials, preparing meals, and even setting up a coffee bar or beverage center. All three baths in the main home and ADU have been beautifully updated. Other updates include power and remote operated driveway gate, replaced metal roof in 2024, new flooring, plantation shutters, pavered front parking/courtyard and entire rear yard, mini-split AC unit for secondary bedroom, addition of portable storage sheds, Decorative metal fencing, integrated smoke alarms throughout, and so MUCH MORE! Walking and biking distance to the ICONIC Bo's Ice Cream, Zoo Tampa at Lowry Park, and some of the area's TOP eateries! Don't miss the opportunity to own this one-of-a-kind home that blends character and convenience in every corner. The sq footage and bed/bath count stated is a combination of the main home and the ADU. The ADU is stated as a Single Family Home on the public record... VERY RARE to have such a coveted designation. Currently, the ADU’s kitchenette has been removed but the plumbing and electrical components are in place so there is ease in installing another kitchenette. **Seller is offering a closing credit with an acceptable offer to help the buyer personalize the property and/or assist with closing costs, lender fees, and prepaid expenses.**
Source: STELLAR #TB8367845
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8367845
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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.