3099 Fort Socrum Village Blvd Lakeland, FL 33810
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About this home
Welcome to 3099 Fort Socrum Village Boulevard, a well-maintained 3-bedroom, 2-bathroom home located on a large quarter-acre lot in the desirable Fort Socrum Village community of North Lakeland. This property offers a spacious floor plan with a large living room featuring high ceilings, a ceiling fan, and a cozy wood-burning fireplace. The home includes a formal dining area, a versatile den or bonus room, and an updated primary suite complete with two walk-in closets, dual sinks, a garden tub, a walk-in shower, and a private water closet. The kitchen is equipped with wood cabinetry, a closet pantry, stainless steel appliances, bar seating, and a separate dining area. Additional features include hard surface flooring throughout most of the home, with carpet in the two guest bedrooms, and an inside laundry room with a laundry sink and negotiable washer/dryer with pedestals. Recent updates include a new roof (2024), air conditioning system (2017), water heater (2023), lanai screen (2024), and an updated primary shower. The property also includes a reclaimed water sprinkler system, wired surround sound, rear motion flood lights, and a Brinks Home Security system with cameras and motion sensors, with an assumable contract available. The 2-car garage offers attic access and a workshop area. Enjoy outdoor living on the screened lanai overlooking the large backyard. The HOA fee is a low $240 per year. This home is conveniently located near shopping, dining, and major highways, providing easy access to surrounding areas. Contact your local real estate advisor today to book your private tour!
Source: STELLAR #L4957023
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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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