10928 W Fort Island Trl Crystal River, FL 34429
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About this home
One or more photo(s) has been virtually staged. This beautifully updated Ranch-style home offers four bedrooms, two bathrooms, and 1,350 square feet of living space on a spacious lot in Crystal River. Ideally located less than 10 minutes from the Gulf of Mexico, downtown, and the world-famous springs, this single-story property is designed for comfort and convenience with a functional floor plan that flows seamlessly from room to room.The home features a bright living room at the entry, a dining area, and a large kitchen equipped with stainless steel appliances, wood cabinetry, and modern countertops, perfect for both everyday use and entertaining. At the center of the home, the family room provides an inviting gathering space with direct access to the screened porch. The primary bedroom includes its own bath, while two additional bedrooms and a second full bath provide flexibility for family, guests, or office use. A dedicated laundry area adds convenience. Wood-look tile flooring runs throughout, combining durability with style.Outside, the screened porch and patio create the perfect setting for outdoor enjoyment. A covered carport, and a storage shed at the rear of the property complete the home. The home features a brand-new AC system with an added attic fan to improve efficiency and help lower utility costs. The AC includes a transferable warranty for peace of mind. A brand-new water heater has also been installed, and the property comes with a transferable Orkin pest control plan with three years remaining. The septic system, installed in 2020, was serviced, pumped, and certified in June, ensuring everything is in excellent working order. The property is bordered on both sides and at the rear by state-owned land that will not be developed, offering privacy and a natural backdrop. With its close proximity to boating, fishing, kayaking, waterfront dining, and all the natural beauty the Nature Coast has to offer, this home presents an excellent opportunity for a primary residence, vacation retreat, or investment property.
Source: STELLAR #W7879114
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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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