9805 Lemon Drop Loop, Sun City Center, FL 33573
4 beds · 2 baths · 1,841 sqft
Welcome to your new home in the desirable Belmont West community! This 3-year-old, 4-bedroom, 2-bathroom home sits on a spacious corner lot with a partial pond view, offering modern features, thoughtful upgrades, and a location that combines convenience with community living. Step inside and you’ll immediately notice the open and functional layout. The heart of the home is the kitchen, complete with stainless steel appliances, white wood cabinets, and granite countertops. Overlooking the dining and living areas, this space is perfect for cooking, entertaining, or simply spending time with loved ones. Ceramic tile floors run through the main living areas for easy maintenance, while the bedrooms feature soft carpeting for added comfort. The primary suite is a peaceful retreat, tucked at the back of the home for privacy. It features a large ensuite bathroom and a walk-in closet, making it the perfect place to relax and unwind. The three additional bedrooms are located toward the front of the home, offering flexibility for family, guests, or a home office. Outside, in the back yard the space shines with a large screened porch, complete with electrical connections and a extended concrete slab—ideal for outdoor dining, relaxation, or entertaining. The spacious yard provides plenty of room to enjoy the Florida lifestyle, and the partial pond view adds an extra touch of tranquility. This home is packed with practical upgrades, including a full ADP security system with 24/7 monitoring (transferable to the new owner at no cost), a Culligan water softener, an on-demand hot water system, and a GE refrigerator with an extended warranty through March 2027. You’ll also appreciate the granite countertops with a 20-year sealant, metal hurricane shutters for peace of mind, and a sprinkler system to keep the yard looking its best. Living in Belmont West means access to exceptional community amenities, including two resort-style pools, a dog park, walking trails, basketball and tennis courts, and a community center. The neighborhood is conveniently located near Highway 75, as well as a variety of grocery stores, restaurants, shopping centers, and schools. If you’re looking for a move-in-ready home that combines comfort, convenience, and a vibrant community, this one checks all the boxes. Schedule your showing today and see all that this home has to offer!
Source: STELLAR #TB8341850
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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 #TB8341850
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.