37230 Poinsettia Ave Dade City, FL 33525
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About this home
Modern 3-Bedroom Home with Detached In-Law Suite on Expansive Corner Lot. Welcome to this beautifully maintained 3-bedroom, 2-bathroom home built in 2021, perfectly situated on a generous .39-acre corner lot. Designed for both comfort and style, this property offers an open floor plan, vaulted ceilings, and luxury vinyl plank flooring throughout the main living areas. The heart of the home is the spacious kitchen, featuring granite countertops, white shaker cabinets, a built-in pantry, and ample prep space—ideal for both daily living and entertaining. The split-bedroom floor plan offers privacy and convenience, with the primary suite boasting a walk-in shower with floor-to-ceiling tile and accent detailing, dual sinks, and a modern layout that feels like a private retreat. The secondary bathroom features a tub/shower combo, perfect for family or guests. Main Living area is 1305 sq ft. Step outside to a fenced backyard, perfect for pets, play, or peaceful outdoor living. A rare bonus, the property also includes a detached 754 sq ft. 2-bedroom, 1-bath in-law suite or office—ideal for multi-generational living, guests, or a private workspace. Located just minutes from shopping, hospitals, schools, and downtown, and with easy access to the interstate, this home combines tranquility with convenience. Don’t miss this exceptional opportunity to own a move-in ready property with space, style, and flexibility!
Source: STELLAR #TB8386264
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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.