8817 Crystal Creek Ct, Land O Lakes, FL 34638
5 beds · 3 baths · 2,631 sqft
One or more photo(s) has been virtually staged. Discover the epitome of luxury living in this stunning 4-bedroom, plus office, 3-bathroom, energy-efficient pool home, nestled on nearly half an acre. This architectural masterpiece boasts a 2024 new roof, ensuring peace of mind for years. The heart of the home features a state-of-the-art Bosch dishwasher (2022), a range/convection oven, and a high-efficiency SEER 22 A/C system with an extended warranty. Enjoy uninterrupted comfort with the 20kW Kohler natural gas generator, equipped with an auto transfer switch. Step outside to your oasis: a 17,000-gallon saltwater pool with a travertine deck and screen enclosure, complemented by an additional 660 sq ft covered lanai. Here, you can soak in the scenic view of the pond from the pool and patio. The side yard offers a park-like setting with multiple trees providing ample shade and hedges, ensuring privacy. With a spacious 3-car garage and an energy-star certification, this home is not just a dwelling—it's a lifestyle. Now, a little about the community. Lakeshore Ranch features a magnificent resort-style clubhouse, amenities, and planned activities for all ages. It's a perfect place to relax and have fun! 2 swimming pools plus a kiddy pool, a 24-hour fitness center, a basketball, tennis/pickleball, an amphitheater, a playground, a fishing dock, and a dog park. This community is close to shopping and easy access to major highways. Tired of those big cable bills, basic cable, and internet are included in the HOA fees. Make this dream home yours today! Schedule your private tour now and embrace the luxury that awaits.
Source: STELLAR #tb8315455
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8315455
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: #tb8315455
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.