14104 80th Ave Seminole, FL 33776
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About this home
Located just minutes from the Gulf beaches and within walking distance to Seminole High School, this beautifully updated 3-bedroom, 2-bathroom home offers the perfect blend of comfort, efficiency, and peace of mind. Nestled in unincorporated Pinellas County, this property is high and dry in Flood Zone X—no flood insurance required! Step inside to discover a modern, open-concept kitchen featuring a massive island—perfect for entertaining—along with an updated primary bathroom, providing spa-like comfort. Enjoy minimal electric bills thanks to solar panels (2021), and rest easy knowing the roof (2016), hurricane-rated windows, sliders, and garage door are already in place. The home has been fully modernized with replaced underground cast iron plumbing (2021), a new electrical panel, and is pre-wired for a whole-home generator, complete with a propane tank. Outdoors, enjoy your 25,000-gallon pool with a 9.5-ft deep end, a screened-in covered patio, and a vinyl-fenced backyard with no large trees—just open space for relaxation or play. The 3-car paver driveway offers plenty of room for vehicles and even your boat! Best of all, the home sustained no water intrusion or wind damage during the last three major hurricanes, a testament to its solid construction and elevated location. Other highlights include an irrigation system, a spacious 2-car garage, and a truly move-in-ready condition. Whether you're looking for a family-friendly forever home or a low-maintenance Florida retreat, this one checks all the boxes.
Source: STELLAR #TB8412143
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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.