7400 Kildare St, New Port Richey, FL 34653
2 beds · 1 baths · 744 sqft sqft
Welcome to 7400 Kildare St, New Port Richey, FL 34653, a beautifully remodeled gem nestled in the desirable Hillandale subdivision. This charming 2-bedroom, 1-bath home offers 744 square feet of thoughtfully designed living space, complete with a 1-car garage. Built in 1984, the home has undergone a complete transformation, featuring fresh exterior and interior paint, brand new kitchen cabinets with sleek quartz countertops, modern appliances, and a blend of new carpet and LVP flooring. With a 2010 AC, a roof installed in 2011, and a water heater from 2016, this home is truly move-in ready. Located just a few miles from the famous Tarpon Springs Sponge Docks, you'll enjoy some of the area's best shopping, entertainment, and dining options, along with fresh seafood. Nature lovers will appreciate the proximity to Fred Howard Park, which boasts a beach, pavilions, playgrounds, and a causeway perfect for fishing or launching canoes and kayaks. Explore the stunning Anclote Key Preserve State Park, relax at Anclote Beach Access or Anclote River Park with its public boat ramp, or take a short drive to the breathtaking shores of Honeymoon Island, Caladesi Island, and Clearwater Beach, ranked the #1 beach in the country. This home offers the perfect blend of comfort, style, and convenience in a location that brings the best of Florida living to your doorstep!
Source: STELLAR #t3550157
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3550157
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #t3550157