1280 Windy Bay Shl Tarpon Springs, FL 34689
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About this home
Pool Home Paradise in Tarpon Springs! No FLOOD INSURANCE required. SELLER WILL GIVE $10K TOWARDS BUYER'S CLOSING COSTS! Looking for a home where you can come home after a long day and take a swim in your very own pool? Or have a pool for your family and friends to enjoy! Then you can drop your boat in at the community boat ramp and take an evening cruise to see the sunsets each night! This is the home for someone who wants minimal upkeep with all the pleasures of Tarpon Springs right around the corner. This home features an open floor plan, upgraded solid surface flooring, upgraded lighting, walk in closets, granite counter tops, stainless steel appliances, solid wood cabinets, tray ceilings, chef’s kitchen, butler’s pantry, and even quartz stonework walls. The private pool has a heated salt system spa and fully screened in enclosure. This 3/2 single level well maintained home is conveniently located near historic downtown Tarpon Springs, the famous sponge docks with its delicious Greek and American restaurants, and minutes from the famous beaches of Pinellas County, shopping, marinas, golf courses and more. The Tarpon Key Neighborhood offers a private fishing pier, a boat dock and boat ramps with access to the Anclote River and minutes to the open waters of the Gulf of America with low HOA and no CCD. Don't miss out on this Tarpon Springs Treasure! This home is turn key and set up great for entertaining and it's premier location allows for you to enjoy the many pleasures of Florida!
Source: STELLAR #OM694221
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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.