7494 132nd Way, Seminole, FL 33776
4 beds · 2 baths · 1,905 sqft
Welcome to this nicely updated 4 bedroom, 2 bath, 2 car garage POOL home in a Non-Flood Zone located in the highly sought out community of Seminole which offers tons shopping, restaurants and the pristine sands of Indian Rocks Beach, all just minutes away! Step inside the foyer and you'll immediately appreciate the LVP flooring that runs throughout the home. On your left is a large living room/dining room combo which connects to the light and bright kitchen. Off of the kitchen is a flex room and the spacious laundry room which features wall to wall pantry storage. The split floorplan has the primary suite with walk in closet and updated ensuite on one side of the house with the other three bedrooms and pool/hall bath on the other side of the home. Easily access your beautiful screened pool and lanai thanks to sliders located in the primary suite, dining room, flex room and secondary bedroom. Imagine watching the game or a movie from your covered porch or from the pool thanks to the mounted projector screen on the porch. Outside of the screened lanai you will find a nicely sized fully privacy fenced in yard perfect for pups, gardening or yard games. Updates to the home: Roof (2023), HVAC (2020), LVP Flooring (2022), Energy Efficient Double Pane Windows (2017), Storm Shutters (2017), Sliding Doors (2020), Water Heater (2021), Kitchen (2021), Primary Bath (2021), Pool Resurfacing (2018), Garage Door and Opener (2023), Pool Bath Door with built in blinds (2023), Sprinkler Timer (2020). Enjoy peace of mind knowing this home weathered Helene and Milton with no standing water or structural damage. Make this gem yours and start living your dream Florida life today!
Source: STELLAR #tb8324860
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8324860
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: #tb8324860
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.