12770 Palapa Loop Spring Hill, FL 34610
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About this home
One or more photo(s) has been virtually staged. Welcome home to this stunningly elegant and immaculately maintained Centex Homes Palm Model, built in 2020 and situated on a spacious, just under ¼-acre premium pond homesite in the highly desirable community of Talavera! Boasting 2,484 square feet of living space, this 4-bedroom with a 3-car garage home features a thoughtfully designed layout and custom upgrades throughout, beginning with a grand trussed front entrance with stone elevation and glass inlay that opens to a spacious foyer with access to a flex room—ideal for a home office, den, or bonus space. The formal dining room flows effortlessly into the open-concept main living area, where the upgraded kitchen impresses with stone countertops, staggered cabinetry with crown molding, tile backsplash, pendant lighting, stainless steel appliances, an oversized eat-in island with large single basin sink, separate café area, and large walk-in pantry. Additional highlights include upgraded baseboards, neutral paint, 8-foot doorways, and tile flooring throughout the main living areas. The oversized owner’s suite offers direct pond views, dual closets, and a beautifully appointed en suite bathroom featuring a large step-in shower with upgraded shower head, dual vanities, linen closet, private water closet, and glass shower enclosure. The additional bedrooms are generously sized, positioned in a true split-floor plan for privacy near a large bathroom and extra storage closet. Bathroom 2 features its own private water room with pocket door and tub—ideal for guests or multigenerational living. A spacious interior laundry room with utility sink provides convenience with corridor access. Outdoors, enjoy a true retreat on the oversized trussed lanai overlooking one of Talavera’s largest ponds—perfect for entertaining or relaxing in privacy. Additional upgrades include an in-floor outlet in the living room, water softener, rack storage in the garage, and an additional window. Located in the resort-style community of Talavera, residents enjoy a zero-entry pool, splash pad, clubhouse, cabanas, tennis and basketball courts, playground, and weekend food trucks, with easy access to US-41, SR-52, and the Suncoast Parkway—making this exceptional home the perfect blend of size, style, lifestyle, and location. Schedule your private showing today—this one won’t last long!
Source: STELLAR #TB8432628
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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.
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