121 28th Ave NE Saint Petersburg, FL 33704
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About this home
There’s a version of your life you’ve imagined, where weekends start with a bike ride along the bay, afternoons are spent poolside with friends, and dinner plans are as simple as walking (or hopping on the golf cart) to your favorite downtown spot without ever worrying about parking. That version of life begins here, at 121 28th Avenue NE, a beautifully updated 2 bedroom/2 bathroom pool home with a detached one-car garage in Grenada Terrace. Tucked into one of St. Pete’s most walkable and water-kissed neighborhoods, this home gives you something rare: freedom. Freedom to stroll just one block to Coffee Pot Bayou, cruise down to Beach Drive for brunch, or pop into a local market before a night in. With alley access, you’ve got convenience built in, and whether you’re walking or driving your golf cart, everything you love about St. Pete is just minutes away. Inside, the home feels just right. Natural light moves easily through the Pella (hurricane-rated) windows and French doors, highlighting a layout that’s open and effortless. The kitchen, outfitted with GE Café (gas) appliances, strikes a perfect balance between style and function. A whole-home water filtration system adds peace of mind, while both bathrooms, renovated in 2021, bring timeless design and a refined, elevated feel. Even the garage is thoughtfully equipped with a split A/C unit and additional ceiling-mounted storage racks, giving you more freedom to turn it into an office, gym, or simply keep it organized and functional. Step outside, and you’ll see how this home was designed for the way you want to live. The dipping pool, added in 2018, was made for both hosting and relaxing. A sun shelf and in-pool seating create the perfect spot to unwind solo or entertain guests. The cool tile decking stays comfortable underfoot, while the electric sunshade (2022) lets you adjust the vibe with ease. Just off to the side, a composite deck sets the tone for casual dinners or quiet morning coffee. This isn’t just a home with upgrades. It’s a fully realized lifestyle, where character, comfort, and connection come together. If you’ve been looking for a St. Petersburg home for sale that’s walkable, memorable, and ready for the life you’ve always wanted, this is the one. Here, you’re not just finding a place to live. You’re stepping into the version of life you’ve been waiting for.
Source: STELLAR #TB8407386
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Close stress-free in 45 days, handled start to finish by Roam.
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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.