19415 Monarch Wind Way Lutz, FL 33558
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About this home
Assumable Mortgage available! Welcome to this beautifully designed 2022-built townhome featuring 3 bedrooms, 2.5 bathrooms, a spacious 2-car garage, and 2,230 square feet of modern living space. Located in the highly sought-after Parkview at Long Lake Ranch community, this home offers stylish upgrades and a thoughtfully planned layout. Step inside to find fresh interior paint, elegant 5” baseboards, custom-trimmed windows, and updated lighting and plumbing fixtures throughout. The open-concept main floor seamlessly connects the kitchen, dining, and living areas, creating an ideal setting for both everyday living and entertaining. Expansive 3-panel sliding glass doors bring in natural light and open to a private, paved back patio—perfect for relaxing or hosting guests. The kitchen is a chef’s dream, complete with solid wood cabinetry, quartz countertops, stainless steel appliances, a walk-in pantry, and a convenient breakfast bar. Just off the kitchen, a custom-built mudroom area features a bench with storage, coat hooks, and floating shelves for added organization. A downstairs half bath and extra storage closet add to the home’s functionality. Upstairs, a spacious loft-style family room separates the primary suite from the secondary bedrooms, providing privacy and additional living space. The primary suite is a peaceful retreat, offering two walk-in closets and a luxurious en-suite bathroom with dual quartz vanities, a large walk-in shower, private water closet, and a linen closet. Both secondary bedrooms include walk-in closets, with one featuring stylish upgrades such as wood slat accents, wallpaper, and a decorative rattan light fixture. A full hallway bathroom with modern finishes completes the upper level, along with a convenient laundry room. Situated in one of Tampa Bay’s most desirable gated communities, this home is zoned for top-rated schools including Oakstead Elementary, Rushe Middle, and Sunlake High. Parkview at Long Lake Ranch offers residents access to resort-style amenities including a community pool, dog park, and two playgrounds. Just minutes from shopping, dining, and major highways, this home also provides an easy commute to downtown Tampa, Tampa International Airport, and Florida’s renowned Gulf Coast beaches. Don’t miss your opportunity to enjoy low-maintenance luxury living in the heart of Lutz—schedule your showing today!
Source: STELLAR #A4666823
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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.