1414 75th St NW Bradenton, FL 34209
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About this home
ASSUMABLE VA LOAN AT 3.5% + NO HOA, NO CDD, NO DEED RESTRICTIONS Hot Property! This custom-built 4-BEDROOM, 2.5-BATH beauty sits on OVER 1/3 ACRE in a quiet cul-de-sac in highly sought-after Northwest Bradenton—just minutes from the world famous beaches of ANNA MARIA ISLAND, ROBINSON PRESERVE, and DESOTO NATIONAL MEMORIAL! Step inside to a BRIGHT ATRIUM GREAT ROOM with SOARING WOOD BEAM CEILINGS, SKYLIGHTS, and WALLS OF IMPACT-RATED WINDOWS AND DOORS that flood the home with natural light. Whether you're entertaining, hosting family gatherings, or setting up a personal fitness zone—this layout has the space and flexibility to match your lifestyle. The kitchen delivers with TONS OF COUNTER SPACE, MODERN APPLIANCES, and STORAGE GALORE—plus a CENTER ISLAND for meal prep or casual dining. Adjacent dining and family rooms share a DOUBLE-SIDED FIREPLACE. Custom tile and LAMINATE FLOORING flow throughout the home, with TWO AC UNITS and TWO WATER HEATERS to keep things running comfortably. The barrel tile roof was installed in 2016 and has tons of life left. The MASTER BEDROOM features a MASSIVE WALK-IN CLOSET with BUILT-INS and a private en-suite with a SOAKING TUB and separate walk-in shower. Three additional bedrooms offer flexibility for home offices, guest rooms, or hobby spaces. Owner used one of the room as a full library. You'll love that the yard is FULLY FENCED and has plenty of ROOM FOR A POOL if you want to add one. Located in the heart of Northwest Bradenton, you're just minutes - MINUTES - to PALMA SOLA BAY, GULF BEACHES, ANNA MARIA ISLAND, top-rated schools, public and private GOLF COURSES, dining, shopping, parks, and more. LOCATION LOCATION LOCATION, No HOA restrictions, and a RARE ASSUMABLE VA LOAN make this a truly special opportunity. This one checks all the boxes—schedule your showing today!
Source: STELLAR #TB8395398
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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.