2630 Coldstone Ln Holiday, FL 34691
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About this home
Welcome to this stunning 3 bedroom, 3 bathroom home with a versatile bonus room, 3-car garage and sparkling saltwater pool, located in the desirable Key Vista gated community in Holiday, FL. This beautifully updated home offers just under 2,000 sq. ft. of living space and has been thoughtfully upgraded throughout, featuring a 3-year-old roof, updated water heater (2023), newer windows, quartz countertops, stainless steel appliances, updated flooring, lighting, and fixtures. A striking floor-to-ceiling decorative stone wall with an electric fireplace and mantle reclaimed from the original Armature Works building in Tampa creates a warm and elegant centerpiece in the living area. The open kitchen flows seamlessly into the dining and living spaces, while sliding glass doors lead to the covered patio and screened saltwater pool with a rare full pool bath, this home is perfect for entertaining. The private master suite includes a walk-in closet, double vanities, a beautifully renovated shower, and direct pool access. The versatile bonus room can easily serve as a 4th bedroom, office, or den. Living in Key Vista means enjoying resort-style amenities including a clubhouse, heated pool, hot tub, tennis and pickleball courts, volleyball, fitness center, playground, and optional RV/boat storage available for purchase. Surrounded by nature preserves and parks, you’ll have easy access to the Anclote Coastal Trail, Anclote Park with beach and boat ramp, Key Vista Nature Park, and Anclote Gulf Park with dog park and fishing pier. Just minutes to the Historic Tarpon Springs Sponge Docks, award-winning beaches, dining, and shopping, this home offers the ultimate Florida lifestyle with a low HOA fee and no flood insurance required. Schedule your showing today!
Source: STELLAR #W7879083
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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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