12729 Flatwood Creek Dr Gibsonton, FL 33534
Your savings
About this home
Welcome to your dream home in a highly sought-after gated community! With about $37K in upgrades in the past 3 years, this impeccably maintained 4-bedroom, 2-bath residence with a spacious 3-car garage offers the perfect blend of comfort, style, and security. You’ll fall in love at first sight with the freshly painted exterior, enhanced by an attractive stone-accented elevation enhancing the home's exterior with a high-end finish. Inside, a freshly painted interior and thoughtfully designed open layout provides ample space for both everyday living and entertaining. Wonderful appointments like 18x18 floor tile, 42" kitchen cabinets, granite countertops, stainless steel appliance and wine cooler. Step outside to your private, fully fenced backyard featuring a covered lanai and beautiful brick paver patio—ideal for relaxing or hosting family and friends and adding approximately 728 sq ft of additional functional space. Hurricane shutters offer peace of mind during storm season, low HOA and CDD fees plus no required flood insurance, make this home as affordable as it is appealing. CDD fees included in annual tax fee quoted. Conveniently located near Vance Vogel Park, top-rated schools, the Spurlino Family YMCA, and a variety of shopping and dining options. With quick, convenient access to major highways—including I-75 just over six miles away—you’re only a short drive from downtown Tampa, Ybor City, and Florida’s world-famous beaches. Don’t miss your chance to own this exceptional home in a prime location! Note: Address is 12729 Flatwood Creek Dr, Gibsonton but GPS may pull up this location as Riverview.
Source: STELLAR #TB8442867
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.