4743 Lake Charles Dr N Kenneth City, FL 33709
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About this home
Back on the market at NO FAULT of the seller *NO ADU's (assess dwelling units) allowed by Kenneth City. Additions are allowed.* **NO WHOLESALERS** Welcome to your new residence in the sought-after Kenneth City community of Pinellas County! This charming single-family home features 2 bedrooms, 1 bathroom, and a 1-car garage, along with a sunroom, making it an ideal option for first-time buyers, those looking to downsize, or investors seeking a rental property. Tucked away in a tranquil neighborhood within a no-flood zone, this property offers a serene living environment. In 2023, the home underwent updates, including the installation of new cabinetry with three Lazy Susan corner cabinets, a stylish backsplash, a stainless steel deep sink with a pull-down sprayer faucet, and a granite breakfast bar. New appliances, such as a double electric wall oven, were also added. The home boasts newer windows, with the two front windows in the dining room replaced in 2023. The roof was replaced in 2015, and new insulation was added in 2023. The HVAC system and air handler were replaced in 2021, with service performed in May 2025. The interior has been freshly painted throughout, complemented by brand-new baseboards installed in August 2025. The bathroom features a newly replaced vanity, sink, and faucet, also updated in August 2025. All previous flooring has been removed, revealing the original terrazzo floors, offering you a blank canvas to either choose your preferred flooring option as the new homeowner, or refinish the original flooring as terrazzo is enjoying renewed popularity for its durability and timeless appeal. Set on just under a quarter acre, the spacious backyard features Astro Turf, installed in 2023, and is enclosed with vinyl fencing (2021), providing an ideal space for privacy and pet-friendliness. Gutters and gutter guards were added in 2024, with the soffit and fascia replaced during that time. This home is ready for you to make it your own. Schedule your private tour today!
Source: STELLAR #TB8414600
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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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