2955 Briar Cliff Dr Palm Harbor, FL 34684
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About this home
Nestled in the heart of Palm Harbor’s sought-after Highland Lakes community, this charming single-family home offers a blend of comfort and potential. Spanning 1,269 square feet, this residence features two bedrooms, two bathrooms, and a versatile layout, providing ample space to create your ideal living environment. While the home maintains much of its original character, it presents a wonderful opportunity for you to add your personal touch and bring your vision to life. As you step inside, you are welcomed into a spacious living area that flows seamlessly into the dining space, offering an open and airy feel. The kitchen, though retaining its classic appeal, is functional and well-laid out, ready for your customization. A cozy breakfast nook overlooks the backyard, making it the perfect spot to enjoy a morning coffee before heading out to explore all that Palm Harbor has to offer. The primary bedroom serves as a peaceful retreat with an en-suite bathroom for added privacy and convenience. The second bedroom is ideal for guests, a home office, or a creative workspace. Both bathrooms maintain their vintage charm, adding character to the home. A highlight of the property is the enclosed Florida room, an inviting space that can be used as a sunroom, reading nook, or entertainment area, allowing you to enjoy the Florida lifestyle year-round. One of the standout features of this home is the solar panel system, offering sustainable living with an average electric bill of just $38 per month. Even better, the seller will pay off the solar panels in full at closing, giving you all the benefits without any of the cost! Beyond your doorstep, Highland Lakes offers an exceptional array of amenities, including a clubhouse, three executive golf courses, tennis and pickleball courts, a heated pool, and exclusive access to Lake Tarpon, where residents can enjoy pontoon boat tours or lakeside picnics. For outdoor enthusiasts, the nearby John Chesnut Sr. Park provides stunning nature trails, scenic boardwalks, and opportunities for wildlife spotting along Lake Tarpon’s shores. Wall Springs Park, just a short drive away, boasts a historic natural spring, an observation tower, and walking trails winding through lush greenery. For those seeking entertainment and culture, the Palm Harbor Museum offers a glimpse into the area’s rich history, while the Suncoast Primate Sanctuary provides a unique opportunity to see rescued chimpanzees, orangutans, and other exotic animals up close. The Pinellas Trail, a 45-mile scenic path that runs through Palm Harbor, is perfect for biking, jogging, or leisurely strolls. The home’s exterior features a well-maintained lawn with mature landscaping, adding to its curb appeal. An attached garage provides convenient parking and additional storage space. While the home is ready for updates, its prime location within Highland Lakes and proximity to top attractions make it a fantastic opportunity for those looking to create their ideal Florida retreat. Whether you envision modernizing the space or embracing its classic charm, this home offers endless possibilities in a vibrant, amenity-rich community — with the added bonus of solar savings from day one!
Source: STELLAR #TB8369188
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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.