1104 23rd Ave W Palmetto, FL 34221
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About this home
Welcome to your perfect Florida retreat! Discover the allure of this contemporary 3-bedroom, 2-bathroom pool home with a 2-car garage, nestled in enchanting Historic Palmetto - just minutes from waterfront parks such as Emerson Point, charming downtown Palmetto, and easy access to Bradenton and the renowned Gulf beaches. This magnificent property features captivating curb appeal, an expansive open split floor plan that overlooks the pool, a brick wood-burning fireplace, and a secluded outdoor space in a picturesque, bike-friendly neighborhood. Upon entering, you’ll be welcomed by high vaulted beamed ceilings and an abundance of natural light. The home features luxury vinyl plank flooring and 5-inch baseboards throughout, complemented by stylish tile in the bathrooms. Culinary enthusiasts will love the gourmet kitchen, equipped with brand new high-end appliances, elegant white solid wood cabinets with soft-close hinges, luxurious quartz countertops, and a sleek blue backsplash—perfect for both cooking and entertaining. The spacious primary bedroom boasts a walk-in closet and direct access to the pool. The primary bathroom is showcases a stunning stand-up shower, adorned with tasteful tile work, sliding frameless glass doors, a quartz countertop, and premium fixtures. Two additional spacious bedrooms on the opposite side of the home share an equally exquisite full bathroom. Step outside to your private oasis, featuring a fully fenced backyard with a serene screened-in pool area—ideal for relaxation and entertaining. NO HOA or CDD! This home is conveniently located near a variety of outdoor activities, including nature and hiking trails, kayaking, fishing, and more. Take full advantage of the area's natural beauty and enjoy an active lifestyle just minutes from your doorstep. Don't miss your chance for a slice of paradise! Schedule your showing today!
Source: STELLAR #TB8404500
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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.