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9119 Isabella Cir, Parrish, FL 34219

5 beds · 3 baths · 2,554 sqft

Assumable VA loan with 3.75% interest rate (must qualify for VA loan to assume)! Why wait to build when you can have better than new now? This stunning home is practically brand new and showcases an array of incredible upgrades (including custom built-ins in the primary closet and laundry room, motorized shades, blinds throughout, top of the line appliances, and a water softener), making it an absolute dream for those seeking luxury and modern living. As you step through the inviting front entrance, you'll immediately be captivated by the elegance and attention to detail that defines this residence. The open-concept layout seamlessly combines functionality and style, creating a warm and welcoming atmosphere throughout. The heart of the home is the gourmet kitchen, which has been thoughtfully designed with both the culinary enthusiast and entertainer in mind. Featuring top-of-the-line stainless steel appliances, and a spacious center island, this kitchen is sure to inspire your inner chef. The primary suite is a private oasis, complete with a luxurious en-suite bathroom featuring dual vanities, and a huge walk-in shower. The suite also includes a sizable walk-in closet with custom built ins, providing ample storage space for all your wardrobe needs. Four additional bedrooms offer versatility and can be utilized as guest rooms, a home office, or a hobby space. One of the bedrooms even has an en-suite! Step outside onto the screened and covered lanai; an idyllic setting for outdoor activities or simply unwinding after a long day. Whether you're hosting a barbecue or enjoying a quiet morning coffee, this outdoor space is sure to impress. The Brightwood at North River Ranch is a master-planned community located in Parrish, FL 34219. The Brightwood Pavilion, features a 4,100 square foot clubhouse, game room, resort-style pool, and fitness center and is perfect for the entire family to enjoy. With winding trails, dog parks, and linear parks, this community is perfect for anyone who loves the outdoors. North River Ranch also has a dedicated FUN DIRECTOR! There are many events planned every month including food trucks, mini-markets, and yoga in the park. There are also several clubs to be involved in including the Run/Walk Club, Volleyball Club, and Mom’s Club! The resort-style amenities in this community include a lagoon pool, perfect for those hot Florida days, and beautiful water views. With easy access to I-75, I-275, and US-301, you are just 30 minutes from downtown St. Petersburg and Sarasota and 40 minutes from downtown Tampa.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
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Details
Home
Size
2,554 sqft
Lot size
0.18 acres
Year built
2022
Type
Single Family Residence

Source: STELLAR #t3512832

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?

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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?

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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?

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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?

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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?

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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.

View all FAQs
Last updated: Dec 01, 2024 09:04 am
Listing agent: Nikki Spirakis (813) 853-3879
Listing provided courtesy of: BRG REAL ESTATE INC (813) 833-9136
Details provided by STELLAR and may not match the public record.
MLS ID: #t3512832
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.