3704 Darston St Palm Harbor, FL 34685
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About this home
Welcome to the desirable Chattam Landing community off East Lake in the Ridgemoor corridor of Palm Harbor, Florida. This pretigious gated community consists of conservation or waterfront pond lots with all tile roof homes. This beautiful 3 bedroom 2 full bath pool home on a conservation lot has been tastefully updated in 2024 to include a completely gutted and renovated primary bath with walk-in shower, stand alone tub, all new tile and paint; new quartz kitchen counter tops with matching new quartz backsplash; new LG refrigerator, stove, microwave, new sink, faucet and garbage disposal; new LG washer and dryer in laundry room; new 6 panel doors with brush nickel knobs, 2 new barn doors and new French doors; new luxury vinyl plank (LVP) flooring consisting of key features that include anti-microbial, scratch and stain resistant wear layer, premium rigid vinyl waterproof core and easy locking installation/panels; new 6" baseboards in main living area, kitchen and laundry; all new chandeliers and LED lighting; new ceiling fans throughout; refaced fireplace in living room; all new blinds and valances on windows and new curtains; freshly painted throughout; renovated and resurfaced pebble tech gunite pool with new electric pool heater and all new lanai pavers throughout the covered lanai and screened pool area; new pavers on front stoop; interlocking PVC garage tile flooring, electric car outlet in garage; wired for security and cameras (one on front of home); new tile roof 2017; new HVAC system 2020; new hot water heater 2023; new water softener 2024, exterior painting Spring of 2024. LOW Homeowner's association monthly fees include landscaping, tree trimming, grass cutting, lawn spraying, irrigation maintenance and repair, trash removal, sidewalk maintenance, exterior home painting and private road paving. Ridgemoor Park provides you access to basketball and tennis courts and a playground surrounded by a conservation area with a pond and plenty of parking. Schedule your private viewing today. All room sizes have been measured but are deemed to be approximate.
Source: STELLAR #TB8399527
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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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