13789 Montego Dr Seminole, FL 33776
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About this home
This home is really nice!! 3 bedrooms, two bath, in-ground pool home with a private back yard, great for entertaining, a 7-minute drive to Indian Rocks Beach, one car garage. (newer garage door) No flood insurance, Lower-risk-flood zone X, no hurricane damage. This block home is approximately 1712 sq. ft. (MOL) all on one level. The home is unique with two living areas. The kitchen has granite counters and maple cabinets with pullout drawers in the pantry area. The windows were replaced by the previous owners in 2010, current owners have replaced the patio slider, one living room window, garage door and one window in the master bath. Smart front door lock and Smart thermostat. Electric blinds are installed in the 2nd living area as well as one of the guests’ bedrooms. Most windows have plantation shutters. The kitchen provides an eat-in area, and the dining area looks out the Bay window overlooking the tropical lighted pool. The guest bath has a double sink, tiled flooring and a jetted tub in shower. The master bedroom has a walk-in closet. Most of the floors are tile with area rugs, laminated flooring in the 1st living area. Pavers surround the pool, and the outdoor living area has a covered pergola for entertainment. Walkway pavers were done in 2012. The back yard is fully fenced. The Pool has a solar heater that was serviced 3 years ago. The hot water is solar as well. The pool skimmer was replaced in 2024. The backyard has a large storage shed. Inter-locking pavers complete the driveway and can accommodate 4 vehicles easily. The property sits on as 80’ X 100’ landscaped lot and the home has a Metal roof (2013). The a/c was replaced in 2021 and has a UV lamp. The hot water tank is newer, and the water softener is leased. The current sellers have replaced the appliances with Samsung, including a flat top stove, double oven, dishwasher and refrigerator. Owners have a Home Warranty with Choice, can be transferred to new owner. Whether you are looking for a profitable investment, a 2nd home or your forever home, this is it. The property is zoned for TOP RATED Seminole Schools. Fantastic Location
Source: STELLAR #TB8403337
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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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