1601 New York Ave Saint Cloud, FL 34769
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About this home
Welcome to 1601 New York Ave, Saint Cloud, FL — a beautifully renovated home on a spacious corner lot offering flexibility, charm, and modern upgrades in one of Central Florida’s fastest-growing communities. This move-in-ready property features new vinyl plank flooring throughout, an open and inviting layout, and a fully updated kitchen with new soft-close cabinets, countertops, and a stylish backsplash, perfect for entertaining or everyday living. Both bathrooms have been completely renovated, showcasing sleek fixtures and contemporary design. Major system updates include updated electrical and plumbing, along with a 2018 AC unit and 2020 roof, ensuring long-term comfort and peace of mind. A standout feature is the large rear addition, offering endless versatility—it can easily serve as a third bedroom, home office, or expansive master suite, tailored to your needs. Situated on a fully fenced-in corner lot, there’s plenty of room for outdoor living, pets, or future projects. Located just minutes from downtown Saint Cloud, schools, shopping, and the lakefront, 1601 New York Ave combines style, functionality, and location into one exceptional offering. Don’t miss your chance to tour this upgraded home—schedule your private showing today!
Source: STELLAR #V4943997
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45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
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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.