106 5th St NW Ruskin, FL 33570
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About this home
Welcome home to this beautifully renovated 2-bedroom, 1-bath retreat nestled on over a quarter acre of peaceful Florida paradise. From the moment you step inside, you’ll feel the warmth and comfort of a space that’s been thoughtfully updated from top to bottom—ready for you to move in and make it your own. Inside Features You'll Love: Gorgeous ceramic tile flooring and soft recessed lighting create a calm, inviting atmosphere throughout and a completely updated kitchen with quartz countertops, brand-new stainless-steel appliances, and plenty of cabinet space—perfect for hosting friends. The open-concept layout flows effortlessly, making it easy to relax, entertain, or simply enjoy a quiet evening at home and impact windows offer peace of mind and natural light without the need for shutters. The renovated bathroom feels like a spa escape, with modern finishes and a clean, fresh vibe. Bring your boat or RV—there’s plenty of space and no HOA/CDDs to hold you back. Enjoy morning coffee or evening sunsets in your expansive backyard, with room to garden, play, or unwind under the stars and it is just a short drive to some of the world’s most beautiful beaches, plus easy access to I-75 and Hwy 41 for commuting to Tampa, Brandon, or Ellenton. You will be minutes from the Amazon Distribution Center, Tampa International Airport, shopping, dining, hospitals, and schools. This home is more than just move-in ready—it’s a place to settle in, slow down, and savor the simple joys of everyday living. Whether you're starting fresh or downsizing into something manageable and meaningful, this cozy gem is waiting for you. Schedule your showing today and fall in love with your next chapter!
Source: STELLAR #TB8428841
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Close stress-free in 45 days, handled start to finish by Roam.
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If you find a better price on any home, we’ll match it.
FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.