12815 Sugar Ct Grand Island, FL 32735
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About this home
Ask about a lender provided rate buy-down credit on this home! ***Welcome to Sugar Hill Estates in Grand Island Florida where this beautifully updated 2019 ~ CUSTOM BUILT ~ POOL HOME delivers endless comfort, fresh style, and everyday convenience! Perfectly situated on a CUL-DE-SAC street, in a small community with a LOW HOA this thoughtfully designed home offers a SPLIT BEDROOM FLOOR PLAN and an OPEN CONCEPT DESIGN filled with endless natural light. The interior delivers a quiet luxury that starts with the vinyl plank wood flooring throughout the main living areas, CUSTOM BEAMS accenting the ceiling, and a striking ELECTRIC FIREPLACE that serves as the focal point of the living room. The chef’s kitchen is a showstopper with 48” soft close cabinetry, QUARTZ COUNTERTOPS, a shiplap accent on the ISLAND, oversized FARMHOUSE SINK, must have STAINLESS STEEL APPLIANCES, and a WALK-IN PANTRY. The formal dining space is elevated with its own shiplap accent wall, perfect for hosting family and friends. Your PRIMARY SUITE is a true retreat, featuring a WALK-IN CLOSET and spa inspired en-suite bath with a CUSTOM TILED SHOWER, upgraded faucets, and more of the quartz counters. Double pane windows with custom treatments, upgraded hardware throughout, and FRESH PAINT in the living areas, game room, and primary bath (2024) make this home feel fresh and MOVE-IN READY. Outside, the backyard is your private oasis with a NEWER POOL and paver deck (2021), tropical landscaping, vinyl and wrought iron fencing, and a permanent pergola (added in 2020) create the perfect setting for relaxation and entertaining – with no immediate rear neighbors, and Lake Yale as the backdrop. The curb appeal shines with upgraded front landscaping and curbing, welcoming you home! Practical upgrades add peace of mind, including the extended garage and a well designed layout that blends style with everyday function. Close to town, area schools, shopping, dining and local hospitals - this home checks all the boxes for location! Clean, immaculately maintained, and well loved - it is everything you could want inside and out. Call today to schedule a tour!
Source: STELLAR #O6346450
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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.