1706 Kirtley Dr Brandon, FL 33511
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About this home
Welcome to Sterling Ranch, one of Brandon’s most convenient and well-loved COMMUNITY POOL neighborhoods—known for LOW HOA fees, easy I-75 and Crosstown Expressway access, and a quiet suburban lifestyle close to Tampa. This well-cared-for 3-bedroom, 2-bath home with a NEW ROOF (2025) offers comfortable living, modern updates, and a spacious fenced yard perfect for outdoor Florida living. From the moment you arrive, the charming front garden and curb appeal set the tone. Inside, you’ll find luxury vinyl plank flooring, soaring ceilings, and an open layout designed for everyday living and effortless entertaining. The family room flows naturally into the kitchen, which features plenty of cabinetry, a snack bar, and a GAS RANGE- a rare find for home chefs. Enjoy multiple dining options with a large casual dining nook plus a generously sized formal dining room, ideal for gatherings and holiday meals. A bright Florida room extends your living space, offering the perfect spot to relax quietly, enjoy morning coffee, or host friends and family. The private primary suite sits toward the back of the home and offers room for a king-sized bed and large furnishings. The en-suite bath features dual sinks, a garden tub, and a walk-in closet. Two secondary bedrooms are located on the opposite side of the home, sharing a full bath- an ideal split-plan layout. Step outside to a large fully fenced yard dotted with fruit trees and palms, creating a peaceful outdoor retreat where you can enjoy shade, breezes, and your own Florida oasis. A 2-car garage provides additional storage and convenience. (water heater 2021, AC 2017, ROOF 2025). FHA and VA buyers are welcomed. Great schools, easy commute to Tampa International Airport, MacDill AFB, Brandon Mall, beaches and Disney too. It's good to be home.
Source: STELLAR #TB8441431
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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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