4550 21st St N Saint Petersburg, FL 33714
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About this home
One or more photo(s) has been virtually staged. Welcome to this beautifully renovated 2 bedroom, 2 bathroom home that blends modern upgrades with cozy charm — all not in a flood zone! From the moment you arrive, the home’s inviting curb appeal sets the tone. Step through the front door into a welcoming foyer, which opens into the living room, perfect for relaxing evenings. The open-concept layout leads you seamlessly into the fully updated kitchen, complete with brand-new cabinets, countertops, and stainless steel appliances. Just beyond, the dining area offers a great space to enjoy meals with friends or family. The primary suite is light-filled and generously sized, boasting a sleek en suite bathroom. The guest bedroom is equally bright and airy, with a full guest bathroom nearby. For added convenience, there’s an indoor laundry closet for easy access. Out back, you'll find a private driveway leading to a detached one-car garage, plus a patio area that’s ideal for outdoor dining and entertaining. Major updates include a new roof, new HVAC system, and a new water heater—giving you peace of mind for years to come. Located less than 10 minutes from downtown St. Pete and close to beaches, shopping, dining, and local attractions, this move-in ready home is the perfect blend of style, function, and location. Don’t miss it!
Source: STELLAR #TB8430240
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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.