3953 Spruce Creek Dr Lakeland, FL 33811
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About this home
Welcome to 3953 Spruce Creek Dr. in Lakeland, where comfort, function, and community come together beautifully. Nestled on a large elevated corner lot in the sought-after Riverstone neighborhood, this impeccably maintained home offers a warm and inviting atmosphere from the moment you arrive. Inside, you’ll find a bright, open-concept living and dining area, perfect for everyday living or entertaining. The kitchen is a standout with rich espresso cabinetry, gleaming granite countertops, stainless steel appliances, bar seating, and a roomy closet pantry—ideal for anyone who enjoys cooking or gathering with guests. The spacious primary suite features a walk-in closet and a private bath with a tub-shower combo. Two additional guest bedrooms provide flexibility for your needs—whether it’s a home office, hobby room, or guest space. Durable vinyl plank flooring in wet areas and cozy carpeting in the main living spaces and bedrooms add both style and comfort throughout the home. Enjoy the energy efficiency of double-pane windows and the convenience of a dedicated laundry room located just off the kitchen. Riverstone residents enjoy a low annual HOA fee of just $50 and have access to incredible amenities including two sparkling pools, two playgrounds, a dog park, and scenic walking trails that wind through the neighborhood. Don’t miss the opportunity to own this move-in-ready gem in a thriving Lakeland community—schedule your private tour today!
Source: STELLAR #L4954788
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Neighborhood
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Close stress-free in 45 days, handled start to finish by Roam.
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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.