1 of 72

9911 Sage Creek Dr, Sun City Center, FL 33573

6 beds · 5 baths · 4,268 sqft

Under contract-accepting backup offers. Welcome to this exceptional residence in the sought-after Belmont Community located in the Ruskin/Sun City Center area! Spanning an impressive 4,268 sq ft, this home offers both space and elegance. Arriving at this fabulous home you will love the expansive paver driveway and generous 3-car garage. When entering the home, you'll love the grand foyer with soaring ceilings and an open-concept layout. The main level is well dressed in stylish tile flooring set on a diagonal throughout the main level. At the front of the home is a versatile office with double doors, ideal for remote work or study. Off the foyer and down the first hall you will find a welcoming in-law suite on the first floor, complete with its own full bath—ideal for multigenerational living. The laundry room is equipped with ample storage and a large closet under the stairs. Adjacent to the kitchen is the elegant formal dining room with ample space for any gathering. Connecting the dining room and kitchen is a double butler’s pantry with an awesome size walk-in pantry! The well-appointed kitchen features tall cabinets and a massive island. A cozy eat-in area offers picturesque views of the conservation area. The family room is generous in size, perfect for entertaining and relaxing. The expansive master bedroom is located on the main floor! The luxurious master bathroom features a large shower, garden tub, two separate sink spaces, and two walk-in closets. Upstairs you are greeted by a massive bonus room with two bonus closets!! There are also 4 more bedrooms and 2 full baths (one is a jack and jill bath). All the bedrooms are large and have walk-in closets. The storage in this home is fantastic with closets everywhere! Outside the backsliders is the tranquil lanai overlooking a serene conservation area—perfect for relaxation. The home has solar panels that are PAID OFF! This home is meticulously maintained and offers abundant space for comfortable living. Don’t miss the opportunity to own this gem—schedule your appointment today! More photos soon!

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
Use two fingers to move the map
Details
Home
Size
4,268 sqft
Lot size
0.17 acres
Year built
2018
Type
Single Family Residence

Source: STELLAR #tb8300501

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?

expand content

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?

expand content

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?

expand content

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?

expand content

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?

expand content

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: Oct 08, 2024 08:34 am
Listing agent: Michael Shea (813) 938-1781
Listing provided courtesy of: RE/MAX BAYSIDE REALTY LLC (813) 938-1781
Details provided by STELLAR and may not match the public record.
MLS ID: #tb8300501
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.