39542 Friends Ave Zephyrhills, FL 33540
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About this home
No HOA. No CDD. No Limits. Welcome to 39542 Friends Avenue in Zephyrhills—a fully upgraded 4 bedroom, 2 bath home offering the space, freedom, and lifestyle flexibility that Florida living is all about. Set on a peaceful street in Pasco County and backing up to a scenic tree farm, this 1,874 sq ft home gives you the privacy of country living with the convenience of nearby amenities. Eligible for $0 down USDA loans and FHA financing, it's an ideal opportunity for first-time and move-up buyers alike. Tired of cookie-cutter subdivisions and strict HOA rules? This property offers ample room to park your RV, boat, trailer, or work vehicles—without penalties or permission slips. The expansive lot includes two large sheds, a covered pergola, and a massive screened-in porch perfect for entertaining, relaxing, or working from home in the fresh air. Inside, you’ll find thoughtful upgrades throughout: Brand new carpet in all four spacious bedrooms. Durable, pet-friendly flooring in main living areas. Beautifully tiled bathrooms with modern finishes. A refreshed kitchen with hardwood cabinets, new countertops, upgraded appliances, and a designer tile backsplash. LED lighting, stylish fixtures, and fresh interior paint throughout. Plus, a full-size indoor laundry room, complete with washer and dryer. Step out onto the oversized front deck or enjoy cool Florida evenings under the pergola. Whether you're hosting guests or winding down after a long day, birdwatching, or gardening, the outdoor spaces are designed to enhance your lifestyle. There are two backyard sheds, perfect for storage, hobbies, she-shed or man-cave or workshop use. Located minutes from Skydive City, Sarah Vande Berg Tennis & Wellness Center, and Crystal Springs Preserve, outdoor enthusiasts will love the nearby options for kayaking, hiking, tennis, and pickleball. Plus, with quick access to I-75 and I-4, commuting to Tampa, Wesley Chapel, or Plant City is a breeze. Freedom, comfort, and convenience converge here—schedule your private showing today and see why this home is truly one of a kind.
Source: STELLAR #TB8384503
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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.