475 Monticelli Dr Haines City, FL 33844
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About this home
SOLAR PANELS WILL BE PAID OFF BY SELLERS AT CLOSING. Also, this house is eligible for an ASSUMABLE LOAN OF 2.25%. Why wait for a house to be build when this one is ready to move-in and to make it your home? Welcome to this absolutely stunning 4 bedroom, 2 bathroom home nestled in the highly sought-after community of Monticelli at Tower Lake. Immaculately maintained and full of charm, this residence offers a harmonious blend of modern upgrades, spacious living, and serene outdoor spaces, making it truly one of a kind. As you arrive, you'll be instantly captivated by the lush, manicured landscaping, a spacious 2-car garage, and a welcoming front porch, the prime spot to sip your morning coffee and enjoy the quiet surroundings. Step inside to discover easy-care laminate flooring throughout (NO carpet!), soaring high ceilings, and a bright, open-concept floor plan accented by stylish light fixtures that bring a touch of elegance to every space. At the heart of the home is the gourmet chef’s kitchen—a true showstopper featuring ample cabinetry, unique solid wood countertops, sleek stainless steel appliances, and a massive island with bar seating. Whether you're whipping up weeknight dinners or hosting elaborate gatherings, you'll find everything you need right at your fingertips. Adjacent to the kitchen, the elegant dining area overlooks the backyard through a large set of sliding glass doors, flooding the space with natural light and providing a gorgeous backdrop for memorable meals with family and friends. The private primary suite is tucked away for maximum relaxation, featuring an oversized walk-in closet and a luxurious en-suite bathroom with dual vanities, a soaking tub, and a walk-in shower—your own spa-like escape at the end of a long day. Three additional bedrooms offers endless flexibility for family, guests, or even a home office, gym, or creative studio. A second full bathroom ensures everyone has space and comfort. This house comes equipped with energy-saving brand new solar panels that Sellers will pay at Closing. It also features a paid-off pure touch water filtration system. Step outside to your expansive backyard retreat, where a covered lanai leads to a fully fenced-in yard, perfect for pets, playtime, or gardening. The highlight of the backyard is the custom gazebo lounge area, ideal for summer cookouts, evening bonfires, or simply relaxing under the stars. Centrally located near shopping, dining, and everyday essentials, and with low HOA dues, this home offers both peace of mind and unbeatable value. Homes in this community do not come on the market often—don’t miss this rare opportunity to own a slice of paradise. Call today to schedule your showing—this immaculate gem won’t last long! You will fall in love with it!
Source: STELLAR #O6329537
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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.