934 W Heron Cir, Winter Haven, FL 33884
3 beds · 2 baths · 1,764 sqft
Under contract-accepting backup offers. This is not just a home … It’s a lifestyle! Located a few miles to Legoland Florida Resort and close to Downtown where you will enjoy a variety of shops, restaurants, and parks & recreation including Downtown Trailhead Park with a large playground and splash pad. The downtown area also has a skate park, tennis & pickleball center, senior center and access to hiking trails. Lake Summit provides access to The Chain of Lakes which is a boater’s paradise! Enjoy water skiing, tubing, fishing, and kayaks and paddleboard rentals are available! There are many boating drive up restaurants with venues that include live bands, waterslides and more! Nestled in a quiet community, this block home is UPDATED, is NOT in a flood zone, and has no HOA or CDD. Additionally, it has not sustained any damage from the recent storms! Inside, you are greeted by an open concept that has a GOURMET kitchen with GRANITE countertops, wood cabinetry with pull-out shelves, stainless steel appliances including a double, convection oven and a built-in hutch that provides space for a coffee/wine bar! The breakfast bar provides additional seating and a place for those informal meals and for guests to gather. The living room is GRAND with plenty of room to have oversized furniture. French doors lead you into the screened rear porch and into your BACKYARD OASIS! This is where your daily life and entertaining happens! The SALTWATER pool is surrounded by hand cut TRAVERTINE and has a new chlorination system (2024) and motor (2023). The yard has space for pets and play and a gazebo is in place to offer shade when needed. The pebble rocks create an environmentally friendly, low-maintenance landscape, complemented by a selection of palm trees that beautifully border the fully fenced yard! Back inside, the primary bedroom has a shiplap accent wall, a window seat and an en-suite bathroom with a walk-in shower. The two secondary bedrooms are generous in size and have quick access to the second full bathroom with a tub/shower combination. The garage has been transformed into a versatile bonus space that can serve multiple purposes, such as a FOURTH bedroom, playroom, mancave, or office. Additionally, it can be easily reverted back to a garage, as the door tracks and opener remain intact. The current garage still offers room to store your items! Outside, there is space to store your recreational vehicles including a boat or RV! Additional features and updates include a newer laminate flooring in the main living areas, new dishwasher (2024), new hot water heater (2024), Rain Bird irrigation system, and lighted ceiling fans and blinds throughout the home! There are many things to do in the Winter Haven location in addition to water sports that include events such as the Bark in the Park, art exhibitions offered by Polk State College, performing arts at the Historic Ritz Theatre and even an 18-hole championship golf course at Cypresswood Golf & Country Club.
Source: STELLAR #TB8365691
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8365691
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.
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.
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.
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.
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.
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.
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.