440 Sand Ridge Dr Valrico, FL 33594
Your savings
About this home
One or more photo(s) has been virtually staged. UPDATE-NEW FLOORS INSTALLED 10/23. Welcome to this beautifully maintained 4-bedroom, 2-bathroom home in the desirable Brentwood Hills community of Valrico. With 1,825 square feet of living space, this single-story ranch offers a thoughtful split floor plan and a spacious layout designed for comfort and convenience. The heart of the home is an open-concept kitchen and family room, complete with a breakfast bar and plenty of room for gatherings. A separate living room provides additional space for entertaining or quiet relaxation, while the split-bedroom design creates privacy for the primary suite, which is set apart from the three secondary bedrooms. The primary suite features an en-suite bathroom with a large walk-in closet, double vanity, garden tub, and separate shower. Recent updates to the home include a newer roof (2021), new water heater (2024), exterior painted (2021), brand new flooring in kitchen and family room (Oct. 2025), new interior paint (2021), new paint in primary suite and ensuite (2025) and a fully fenced backyard. Step outside to enjoy the expansive screened patio that runs along the back of the home—an ideal space for outdoor dining, entertaining, or simply relaxing in comfort year-round. The fenced yard offers privacy and versatility, with plenty of space for pets, play, or gardening. Brentwood Hills residents enjoy access to a wide array of community amenities (No CDD and VERY low HOA), including a huge community pool, covered pavilions with grilling areas, tennis/pickleball courts, basketball court, horseshoe pit, bocce ball, a dog park with private entry, playground equipment with safety surfacing, and a full-size soccer field. The neighborhood also hosts community events throughout the year, creating a welcoming environment for residents. Conveniently located near shopping, dining, schools, and commuter routes, this home offers an excellent combination of lifestyle, updates, and value.
Source: STELLAR #TB8428921
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.