10804 Wicker Park Pl Palmetto, FL 34221
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About this home
One or more photo(s) has been virtually staged. Photos are virtually staged! Welcome to resort-style living in Esplanade at Artisan Lakes, where every day feels like a vacation. Built in 2022, this 3-bed/3-bath home sits on a serene conservation lot with no backyard neighbors and was designed for effortless indoor-outdoor entertaining. The heart of this home opens to a covered lanai with a fully equipped outdoor kitchen and a heated, salt water pool with a spa, creating a private retreat framed by preserve views. Inside, the split-bedroom layout offers privacy for guests, while the open great room and chef's kitchen keep everyone connected. Life behind the gates of Esplanade at Artisan Lakes offers you a state-of-the-art fitness facility, locker rooms, and event spaces with a catering kitchen. A full-time lifestyle director organizes events, clubs, and activities. Outdoors you'll find tennis, pickleball and bocce courts, a resort-style pool with cabanas, a hot tub, a resistance pool, and a fire pit. Nature lovers can enjoy walking trails, dog parks, a playground, and a butterfly garden. The Venue, a second amenity center, features an additional pool and hot tub, as well as an indoor gathering area for games, club meetings, and entertainment. HOA fees include cable TV, internet, yard maintenance, and irrigation, ensuring convenience and low-maintenance living. With quick access to I-75 and I-275, this home is ideally situated between Sarasota, St. Petersburg, Tampa, and the Gulf Coast beaches.
Source: STELLAR #A4663457
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.