281 Maple Ave Palm Harbor, FL 34684
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About this home
MOTIVATED SELLERS & FINAL PRICE IMPROVEMENT!!! With stunning water views and unmatched outdoor access, this 3-bedroom, 2-bathroom home is a dream for anyone who enjoys waterfront living. The interior features a galley-style kitchen with granite countertops, wood cabinetry, stainless steel appliances, a separate dry bar area with a bar refrigerator, and a convenient passthrough. The open-concept living and dining spaces flow seamlessly into an additional rear room—perfect for taking in the breathtaking view year-round. Step outside to your own personal retreat: a saltwater pool with LED lighting, powered by a self-adjusting heat pump/chiller (2023), and a 3” deck drain (2025) for easy maintenance. The newly added covered outdoor area (2025) is fully wired with electricity and includes a sitting space, hot tub with electrical, and built-in fan for warm days. This property has experienced no flooding or storm damage. Proactive lake management includes lowering the water level and opening locks to Tampa Bay before major weather events, minimizing flood risk. The canal leads directly to Florida’s second-largest freshwater lake—Lake Tarpon. And if you’re into boating, the Gulf of Mexico is just 2.6 miles away. Recent updates include new metal roof (2022), LED pool lighting (2022), Composite deck with lifetime warranty (2020), Water heater (2020), Electrical wiring for hot tub (2024). A full list of upgrades and features is available—there are simply too many to mention! Enjoy optional access to the Lake Shore Estates private boat ramp—just 0.2 miles away—for $30/year. The community clubhouse is available for rental by members ($60 + $50 deposit), offering a full kitchen and indoor/outdoor lakefront space. Pet lovers will appreciate the neighborhood dog park, and golf cart owners will feel right at home with holiday parades and regular rides around the neighborhood. Come experience the Lake Shore lifestyle—where every day feels like a getaway.
Source: STELLAR #TB8409329
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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.