3612 Cordgrass Dr Valrico, FL 33596
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About this home
** Assumable VA Loan Eligible - Substitution of Entitlement ** Welcome to your dream home in the sought-after River Hills community—known for its top-rated schools, 24-hour manned security, championship golf course, community pool, playgrounds, clubhouse, and scenic nature trails along the Alafia River. This beautifully remodeled home has it all: Newer roof and A/C installed in August 2021, an incredible layout that offers privacy and functionality, and serene views of a peaceful pond and lush preserve. Step inside and fall in love with the high ceilings, bright open spaces, and thoughtfully updated finishes throughout. This home offers a perfect office or playroom, complete with elegant stained French doors. Upstairs, a spacious private loft offers the ideal flex space for a media room, game room, or guest retreat. The heart of the home is a chef’s dream kitchen featuring Quartz countertops, a farmhouse sink, stainless steel appliances, and custom design touches like floating wood shelves and a large fluted-trim breakfast bar that comfortably seats 6–8. An abundance of cabinetry and a walk-in pantry make this kitchen both beautiful and practical. With a spacious primary suite offering a peaceful escape with space for a sitting area, home gym, or second office. Dual walk-in closets lead to a spa-like bathroom with soaking tub, double vanities with Quartz counters, and marble herringbone tile. On the opposite side of the home, three generously sized bedrooms and two fully renovated bathrooms—one with direct lanai access—provide comfort and privacy for guests or family. Enjoy seamless indoor-outdoor living with wall-to-wall sliding glass doors that open to an oversized screened lanai—perfect for relaxing or entertaining. Beyond the lanai, a newly fenced backyard overlooks tranquil pond and preserve views, creating a private, peaceful retreat where nature is your backdrop. Whether you're sipping coffee at sunrise or unwinding at sunset, the view is simply unmatched. With designer finishes, a thoughtful layout, and incredible outdoor spaces, this home is truly a one-of-a-kind gem in an unbeatable location. This home also offers an exceptional opportunity for qualified veterans to assume the existing VA loan at their current rate. Please inquire for more information.
Source: STELLAR #TB8402612
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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.