236 Caryota Ct New Smyrna Beach, FL 32168
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About this home
Located in New Smyrna Beach, this 3-bedroom, 2-bathroom home offers comfortable living in a scenic setting. The 5-year-old property features granite countertops, walk-in closets, and an open layout perfect for daily living and entertaining. Step outside to enjoy tranquil lake views from the oversized screened patio—ideal for relaxing while taking in frequent wildlife sightings. With no rear neighbors, privacy is an added benefit. The home is part of the Venetian Bay community, known for its wide range of amenities. Residents enjoy access to a community pool, country club with golf course, and sports courts for pickleball and tennis. Walking and biking trails wind through the area, offering plenty of outdoor activity options. Conveniently located, the property offers easy access to I-95 and is just a short drive from shopping centers, restaurants, and the scenic beaches of New Smyrna. Nearby attractions include The Club at Venetian Bay, a social and dining hub just under a mile away, and parks like Woodland NSB site for additional outdoor options. Other nearby conveniences include ALDI for groceries and Signature Senior 17, a secondary school within a short distance. Boat Ramp Drive and New Smyrna Dunes Dog Beach are also nearby, offering access to water recreation. With its well-maintained interior, outdoor amenities, and desirable location, this home offers a balanced and active lifestyle in a welcoming Florida community. Property is in Probate and cannot close until Probate is settled.
Source: STELLAR #O6332615
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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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