1423 W Hawk Ln Citrus Springs, FL 34434
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About this home
Enjoy spacious, comfortable living in the heart of Citrus Springs on a generous 0.52-acre corner lot in a desirable No HOA community. This 3-bedroom, 2-bath 1,534 sqft home features an attached 2-car garage and a large living room with vaulted ceilings, flowing seamlessly into a kitchen with two pantries, ample cabinet space and a breakfast bar. The primary suite is conveniently located off the kitchen and includes a walk-in closet and en-suite bathroom with a separate shower. The split floor plan provides privacy for guests, with two additional bedrooms on the opposite side of the home and a full guest bathroom situated between them. Outdoor living is enhanced by a covered back porch, a large concrete patio area perfect for entertaining or relaxing with beautiful landscaping including banana trees, creating a private and serene environment. A detached 24 x 25 garage/workshop built in 2021, features a loft for storage, 200amp panel and dedicated solar panels installed in 2022. This home is conveniently located near shopping, restaurants and everyday amenities will still just a short drive to the Gulf Coast for fishing, boating & snorkeling adventures. The roof was replaced in 2024 and a 1-year home warranty will be included at closing, providing added peace of mind. With thoughtful design, energy-efficient features and functional living spaces, this property is ideal for families or anyone seeking convenience, and flexibility in a prime Citrus Springs location. Schedule your private showing today!
Source: STELLAR #OM708748
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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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