10730 52nd Ave N Saint Petersburg, FL 33708
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About this home
Sure, the curb appeal is on point and the space is generous—but the real magic of this lakefront beauty unfolds once you step inside. Previously a successful Airbnb, this fully furnished 4-bedroom, 2-bath home sits on over 0.40 acres in Flood Zone X (no flood insurance required!). Garage was converted to 4th bedroom - could be converted back if desired. Nestled on the edge of a spring-fed lake, it offers a true vacation vibe year-round—complete with a private dock for paddleboarding, fishing, or just soaking in the serenity. With a proven income track record, this could be a high-performing short-term rental or your own lakefront getaway. Annual income in 2024 was $47,514, in 2023 - $62,763, in 2022 - $68,265 and $47,778 in 2021. Inside, the open-concept layout features floor-to-ceiling windows with stunning backyard views, an electric fireplace for cozy nights, and everything you need to move right in. We’re talking pool table, sauna, TVs, beds, couches—the works. Just pack your toothbrush. Step out back and you’ll find an outdoor kitchen, lakeside pergola, and plenty of space to entertain under the stars or enjoy peaceful mornings with your coffee and a view. Minutes from Madeira Beach, top-rated schools, restaurants, and shopping, this home is the perfect fit—whether you’re looking for a full-time lakefront lifestyle, a family-friendly retreat, or an income-producing rental. Live in it, rent it out, or do both—either way, you win. Paradise is calling. Answer it before someone else does. ***If buyer selects seller's preferred lender, credit offered of up to 1% of the loan amount for qualified buyers towards closing costs or rate buydown.***
Source: STELLAR #TB8396592
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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.
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