1264 Riserva Ln Palm Harbor, FL 34683
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About this home
One or more photo(s) has been virtually staged. Gated Elegance: Your Coastal Townhome Awaits! Prepare to be impressed by this beautifully upgraded 3-bedroom, 2.5-bath townhome offering the perfect blend of modern comfort, style, and convenience. Located within a gated community known for its Mediterranean charm—with brick paver streets and tile roofs—this home combines curb appeal with a truly maintenance-free lifestyle. Step inside to find bright, open living spaces designed for both entertaining and everyday comfort. The living and dining room combo features elegant tile flooring, abundant natural light, and seamless flow into the heart of the home—the chef-inspired kitchen. Here, you’ll find stunning quartz countertops, crisp 42" solid wood cabinetry, a spacious center island, and a full suite of stainless steel appliances including a coveted double oven. Expand your living space outdoors with the oversized, fully screened, and covered lanai. This private retreat offers plenty of room for dining, lounging, and year-round entertaining—and it’s already prepped with hookups for a future outdoor kitchen. Upstairs, a flexible loft area provides endless possibilities for a home office, media lounge, or reading nook. The spacious primary suite includes a large walk-in closet and a spa-like bath with dual quartz vanities and an oversized walk-in shower. Two additional bedrooms and a conveniently located laundry room complete the second floor. Practicality meets peace of mind with a 2-car garage and no outdoor maintenance—giving you more time to enjoy everything this coastal location has to offer. Just minutes from the award-winning beaches of Honeymoon and Caladesi Islands, the Pinellas Trail, and the vibrant downtowns of Palm Harbor and Dunedin, this townhome delivers the perfect balance of elegance, convenience, and Florida lifestyle. Experience the carefree living you’ve been waiting for—schedule your private showing today!
Source: STELLAR #TB8437224
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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.