8853 Bella Vita Cir, Land O Lakes, FL 34637
4 beds · 4 baths · 3,378 sqft
Resort-style living meets everyday luxury, and this stunning Taylor Morrison home offers the perfect blend of spaciousness and elegance. With 4 bedrooms, 3 ½ bathrooms, and an office, this open-concept home is the Florida lifestyle you've been searching for. Your own private oasis: a heated saltwater pool with waterfalls, a sandbar, and a bubbling spa. Beautiful Italian porcelain tile throughout the house. The gourmet, natural gas kitchen has high-end appliances, an abundance of cabinets, and an oversized granite island, creating a chef's paradise. Windows surround the dining room. The great room is light and airy with 10' high coffered ceilings, surround sound, and sliding glass doors leading to the paver tile pool. Retreating to your restful primary suite is a joy. Sunlight filters through the bow windows. Room for all your wardrobe in the two walk-in closets. Luxuriate in the soaker tub or enjoy a relaxing rain in the tiled shower. This home features a rare bonus: the upstairs multipurpose room. Here are a few thoughts: a media center, playroom, or office. Also, on the second floor, you have another en-suite bedroom, two more bedrooms, and the third full bathroom. Let's step outside and walk around the fenced grounds. The spacious covered lanai is pre-plumbed and wired for an outdoor kitchen. A pavered deck surrounds the most deluxe pool. A sandbar to cool yourself when sunbathing, a waterfall and fountain emanating from the spa, saltwater to reduce the need for harsh chemicals, and it is heated so you can be comfortable year-round. This home has been meticulously maintained, with both AC systems newly replaced with upgraded units; the exterior has been fully repainted and comes with a full warranty, and designer carpeting was recently installed. The property is situated on a premium conservation lot (no rear neighbors) within the gated community of Gardenia Glen, adding an extra layer of privacy and security to your living experience. The HOA provides landscape/lawn maintenance. Beyond the confines of your beautiful oasis, Connerton Village beckons you to enjoy a vibrant community lifestyle. Dive into the refreshing waters of the community pool, explore the lush garden park, or stroll along the multiple trails. Connerton Village also offers multi-use ponds where you can indulge in non-motorized activities, fostering a sense of connection with nature. You deserve to live in paradise!
Source: STELLAR #t3546169
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3546169
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: #t3546169
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.