12038 Stone Crossing Cir Tampa, FL 33635
Your savings
About this home
Don't miss your chance to own this stunning 3-bedroom, 2-bath pool home located in a desirable Tampa neighborhood! Featuring nearly 2,000 sq. ft. of well-designed living space, this home offers a bright and open floor plan with vaulted ceilings and no carpet—only tile and luxury vinyl plank flooring throughout. ASSUMABLE $103,000 LOAN @ 2.5% remains on this home. Allow time to process transfer. The oak and granite kitchen is a showstopper, complete with a breakfast bar, stainless steel appliances, and a pass-through window to the pool area—perfect for entertaining. The kitchen flows seamlessly into the family room, anchored by a floor-to-ceiling stone wood-burning fireplace, creating a cozy gathering space year-round. Never has had water and very low flood insurance. Enjoy the ideal split bedroom layout with a private primary suite featuring direct access to the lanai, dual vanities, soaking tub, and separate shower. The two additional bedrooms are spacious, with a guest bath that includes dual sinks and a tub/shower combo. Step outside to your personal oasis: a screened pavered lanai, heated pool, and spa with spillover waterfall, all surrounded by lush landscaping, mature tropical palms, and a full sprinkler system. Recent upgrades include brand NEW windows and exterior doors, NEW A/C, pool heat pump, and hot water heater, 3D architectural shingle roof, NEW exterior paint and pavers, NEW gutters, and beautiful tile and LVP flooring throughout. Enjoy Florida living at its best—cool summers by the pool and cozy winters by the fireplace. Convenient access to shopping, dining, and major highways and 2 local golf courses and parks. Schedule your showing today—this one won’t last!
Source: STELLAR #TB8408242
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
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.