3022 Beaver Pond Trl Valrico, FL 33596
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About this home
One or more photo(s) has been virtually staged. Welcome to your move-in ready retreat in the highly sought-after Twin Lakes community of Valrico, where shady oaks, quiet streets and lakeside green space meet. This beautifully maintained 3-bedroom, 2-bath home offers an open and inviting floor plan designed for both everyday living and effortless entertaining. With peace of mind upgrades already in place—including a brand new A/C system (2024), plush new carpet (2024), and fresh exterior paint (2024), along with a new roof in 2022—this home is prepared to deliver comfort and low-maintenance living for years to come. Step inside to find a bright and airy living space with vaulted ceilings that flows seamlessly into the kitchen and dining areas. The spacious primary suite features his and her closets and a well-appointed bathroom with both a soaking tub and separate shower. A split bedroom layout ensures guests have their own private wing of the home, while the enclosed Florida room creates the perfect spot to enjoy your morning coffee or unwind in the evening. Twin Lakes offers a lifestyle as appealing as the home itself, with access to a sparkling community pool, playground, tennis and basketball courts, and scenic ponds ideal for leisurely evening strolls. With no CDD, top-rated schools, shopping, dining, and outdoor parks just minutes away, this is Florida living at its best. Don’t let this one pass you by—schedule your private tour today and see all the features and updates that make this home truly stand out.
Source: STELLAR #TB8417586
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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.