921 Night Song St, Valrico, FL 33594
4 beds · 3 baths · 2,366 sqft
Welcome to this stunning 4-bedroom, 3-bathroom luxury home with a den/study—a true gem for those seeking elegance and comfort. From the moment you step inside, you’ll be captivated by the seamless blend of sophistication and modern design. This home is truly a must-see, offering years of comfort and style. Upon entering, you're greeted by a grand foyer that opens into expansive living areas, including an oversized open concept gathering room adorned with stylish accent walls and crown molding throughout the home, adding a refined touch to every room. A custom stone features wall serves as a striking focal point for the TV area, elevating the living room's aesthetic. Luxury vinyl plank flooring flows throughout the home, complemented by ceramic tiles in the bathrooms and laundry room, adding both beauty and functionality. Elegant window treatments and custom valances further enhance the home’s charm. The den/study provides a bright, welcoming space with abundant natural light—ideal for a home office or quiet retreat. The chef-inspired kitchen is a standout feature, boasting a spacious center island with a large, single-bowl sink, 42-inch soft-close cabinets with convenient slide-out drawers, gleaming quartz countertops, and a custom backsplash. Equipped with top-of-the-line stainless steel appliances—including a microwave, dishwasher, glass-top range, and a large walk-in pantry—this kitchen is perfect for culinary enthusiasts. The open eat-in kitchen is a warm and inviting space for family gatherings, and from here, you can enjoy your morning coffee while overlooking the serene waterfall pool. The three sets of sliding glass doors seamlessly connect to Lanai, creating an ideal space for entertaining. The home features a thoughtfully designed split bedroom layout, ensuring privacy and tranquility for everyone. The luxurious primary suite offers a high tray ceiling, plenty of natural light, and a spacious retreat to unwind. The en-suite bath features dual sinks, a soaking garden tub, a separate walk-in shower, and an oversized closet—your personal sanctuary. Secondary bedrooms are generously sized and include walk-in closets, providing ample storage space. On the opposite side of the home, guest bedroom with bathroom and walk-in closet for added comfort and privacy. Step outside to your own private paradise. The open floor plan flows effortlessly onto the screened paver lanai, featuring three sets of triple sliders doors that allow for easy indoor-outdoor living. Whether you're grilling, dining, or relaxing, the covered lanai with the soothing sound of the waterfall and the sparkling pool promises endless enjoyment. The fully fenced yard offers a private and secure space for outdoor activities. This home also includes a convenient indoor laundry room with a sink, washer, and dryer, as well as a 2-car garage with extra storage space. Enjoy the added convenience of smart home technology, including a video doorbell and a built-in home vacuum closet. Additionally, the home is equipped with energy-efficient solar panels, helping to reduce your energy costs. Located in the highly sought-after Valrico area, this home is just minutes away from shopping, dining, and major highways. Low HOA/No CDD. Don’t miss the opportunity to make this exquisite property your forever home. Schedule your showing today!
Source: STELLAR #TB8351906
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #TB8351906
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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 “Save search” 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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.