3957 Tarpon Pointe Cir Palm Harbor, FL 34684
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About this home
Welcome to 3957 Tarpon Point Circle in the highly desirable Highland Lakes community of Palm Harbor. This meticulously maintained 3-bedroom, 2-bathroom single-family home offers over 1,500 sq. ft. of stylish living space and access to one of the most sought-after 55+ communities in Florida. Inside, you’ll find new luxury vinyl plank flooring, fresh interior and exterior paint, and elegant crown molding. The home is filled with natural light from energy-efficient double-pane windows (lifetime warranty). The spacious kitchen boasts granite countertops, solid wood cabinetry, and newer GE appliances, opening seamlessly to the dining and living areas—perfect for entertaining. Both bathrooms have been tastefully updated, with the guest bath featuring a modern vanity, new flooring, and a fully renovated shower. Key upgrades include a new HVAC system, water heater (2017), water softener, and a well-maintained roof, giving peace of mind for years to come. Living here means enjoying all the perks of Highland Lakes HOA membership: three private 9-hole golf courses with no green fees, two geothermal heated pools, tennis, pickleball, bocce, shuffleboard, and endless clubs and classes. The Lake Tarpon Lodge offers a boat ramp, pontoon boat tours, RV/boat storage, and picnic areas—perfect for embracing the Florida lifestyle. All of this is just minutes from Downtown Palm Harbor, Tarpon Springs Sponge Docks, Dunedin, Gulf beaches, shopping, dining, and two international airports. Move-in ready and designed for comfort and community, this home is a must-see. Schedule your private showing today and discover why Highland Lakes is Palm Harbor’s premier active lifestyle community!
Source: STELLAR #TB8430711
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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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