805 WOODCARVER LN, Brandon, FL 33510
Welcome to your dream home in the heart of Brandon! This stunning four-bedroom, four-bathroom pool home is situated on an expansive lot spanning over a third of an acre. All bedrooms are conveniently located on the main floor, ensuring ease and accessibility. Upstairs, you'll find a spacious bonus room with a full bathroom, perfect for use as a fifth bedroom, theater, or game room. Nestled in a gated community with no CDD fees, this home offers both security and exclusivity. The interior features formal and informal living rooms, providing ample space for entertaining. The kitchen is a chef's delight, adorned with solid wood cabinets and granite countertops, and overlooks the pool and family room. A separate laundry room includes a washer and dryer for your convenience. Recent upgrades include a new roof (with a waterproof liner and a 50-year warranty) installed in 2019, and a new AC system installed in 2020. The entire home has been freshly painted throughout, including ceilings and trim, in 2024. All tile floors have been cleaned and refreshed, and new carpet was installed on the stairs leading to the bonus room - also in 2024. This home's location is unbeatable, situated amidst a plethora of restaurants, shops & the Brandon mall. It is only eight minutes to Brandon Hospital, 8 minutes to I275 and the Selmon Expressway, 16 minutes to downtown Tampa, and 25 minutes to Tampa International Airport. Don't miss this opportunity to own a piece of paradise in one of Brandon's most sought-after neighborhoods. (Green Corridor Property Assessment (PACE) of approx $4k per year was added to property taxes and the balance will be paid off at closing by Seller. Inquire with agent for any additional questions.)
You may be able to put down less than the total down payment amount of $285,274 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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: #t3532230
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.