12586 Oak Hill Way Parrish, FL 34219
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About this home
Amazing water and preserve views with nothing behind you and over 50K in upgrades and *****ASSUMABLE VA LOAN AT 4.75% WITH LENDER APPROVAL!!****** Lots of privacy, this stunningly maintained and eloquently appointed sun-filled villa lives so beautifully. This wonderful three-bedroom, two-bath home is designed for comfort and style, featuring a thoughtful split floor plan that enhances privacy and flow, on one of the best lots in Crosswind Point and shows like a model and includes high-end finishes. Go inside through the elegant glass door entry and be greeted by a spacious great room with built-in shelving which may be removed if buyers do not want them, and dining room ideal for family gatherings or cozy evenings. The heart of the home, the kitchen, boasts 42-inch wood cabinetry that provides ample storage, modern appliances, quartz countertops, breakfast bar, soft-close drawers and cabinetry, coffee bar, eloquent glass backsplash and under-counter lighting that make cooking a delight. Plus, a large walk-in pantry with frosted glass door ensures you will have plenty of space for all your culinary needs. Retreat to the spacious primary suite at back of the home with large windows and private en suite which includes, quartz countertops, dual sinks, makeup vanity, large glass shower, linen closet, private water closet and a large walk-in closet with custom shelving, ensuring organization is a breeze. The two additional bedrooms are in the rear of the home and near the second full-sized bath with quartz countertops, wood cabinetry and glass-enclosed shower, making this a private oasis for guests. With long water views right from your backyard, you’ll find tranquility and beauty in your outdoor space, ideal for morning coffees or sunset relaxation. The two-car garage completes this home. A maintenance-free living with low fees allows you to enjoy the Florida lifestyle. The air-conditioning system has been updated with an Air Knight purification system. This home offers full hurricane protection and no flood zone. The community of Crosswind Point offers scenic water and conservation views throughout the community with a pool and cabana amenity center. Near dining, shopping, medical, schools, U.S. 301, Interstate 75, parks, downtown St. Petersburg, Sarasota and Tampa.*** HOME WARRANTY FOR 1 YEAR INCLUDED***
Source: STELLAR #N6140190
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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.