12407 Gilmerton Mist Ln Riverview, FL 33579
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About this home
Huge Price Reduction! Welcome to your dream home in the highly sought-after Panther Trace community in Riverview, FL! This stunning two-story single-family residence offers 2,502 square feet of beautifully updated living space, featuring 4 spacious bedrooms, 2.5 baths, and a 2-car garage with custom cabinetry. Step inside to find gorgeous flooring throughout, a modernized kitchen with solid cabinetry, granite countertops, an expanded island, and a designer backsplash, along with fully upgraded marble bathrooms. Upstairs, all bedrooms are conveniently located, including the luxurious primary suite with a walk-in closet (featuring a built-in organizer) and a spa-like en-suite bath with dual sinks, walk-in shower, and soaking tub. The backyard is a private retreat designed for both relaxation and entertaining. Enjoy the sparkling heated pool with dual water features, LED lighting, and a screened enclosure with an additional 8 LED lights. The backyard also boasts a stone-accented outdoor kitchen (just add your grill), shellock paver deck, fruit trees and vinyl/metal fencing for added privacy. This home has been meticulously maintained and updated for peace of mind: New roof (2025) Pool with LED lights & screened enclosure (2020) Backyard shellock pavers (2020) Outdoor kitchen with granite top (2023) Driveway pavers & stone-accented exterior (2023) Fully upgraded bathrooms with marble finishes (2023) Expanded kitchen island & tile flooring (2023) Custom closets in garage & bedrooms (2018) New washer (2024) & water softener (2025) THERE IS NO WATER BILL! Community Amenities: Panther Trace offers resort-style living with a lagoon pool, splash park, clubhouse, playgrounds, tennis and basketball courts, walking trails, and an onsite elementary school. Conveniently located just minutes from I-75 and Hwy 301, you’ll be within easy reach of Downtown Tampa (15 miles), Busch Gardens (18 miles), The Florida Aquarium (15 miles), Brandon Town Center (10 miles), and the sandy shores of Apollo Beach (20 miles). With its blend of luxury updates, community amenities, and unbeatable location, this home is move-in ready and waiting for its next owner!
Source: STELLAR #TB8418264
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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.