3968 Orchard Hill Cir Palm Harbor, FL 34684
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About this home
Experience the best of Florida living in this exceptional 3-bedroom, 2-bath pool home featuring a 2-car garage and an inviting blend of comfort, function, and style. Perfectly situated on a spacious, fully fenced lot with lush tropical landscaping, this Palm Harbor retreat offers room for RV parking, gardening, or simply relaxing in your own private oasis. Step inside to a welcoming foyer with custom built-ins and wood panel accents that lead into a bright, open living area filled with natural light and soaring vaulted ceilings. The thoughtful layout creates a seamless flow between the living, dining, and kitchen spaces—ideal for both entertaining and everyday life. The modern galley-style kitchen showcases rich cabinetry, stainless steel appliances, and a picturesque window overlooking the pool and backyard. A cozy family room adds even more charm with gleaming hardwood floors, a wood-burning brick fireplace, and a wet bar—the perfect setup for gatherings or quiet evenings at home. Sliding glass doors open to a screened lanai and sparkling pool surrounded by a covered patio area, providing the ultimate backdrop for year-round outdoor dining and relaxation. The primary suite is a true retreat, complete with wood-look flooring, private lanai access, a walk-in closet, and a beautifully remodeled en-suite bath with a sleek stone-top vanity and walk-in shower. Two additional bedrooms and a stylish guest bath offer comfort and versatility for family or guests. Recent updates include a 2019 roof, impact-rated garage door, and professionally serviced fireplace and chimney, ensuring peace of mind. Enjoy the oversized backyard with dedicated RV parking and mature tropical landscaping that enhances both beauty and privacy. Located in one of Palm Harbor’s most desirable areas, residents have access to nearby parks, tennis courts, and a scenic community lake. Just minutes from Boot Ranch shopping, top-rated schools, dining, and major roadways—this home offers an effortless commute to Tampa, Westchase, Clearwater, and St. Pete. Your perfect Florida lifestyle starts here—schedule a showing today!
Source: STELLAR #TB8389641
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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.