4767 Ridgemoor Cir Palm Harbor, FL 34685
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About this home
Welcome to 4767 Ridgemoor Circle, a stunning 4-bedroom, 2.5-bath, 3-car garage pool home tucked away in the highly sought-after Coventry Village at Ridgemoor community in Palm Harbor. This home has been beautifully updated from top to bottom and offers a perfect blend of modern style, comfort, and convenience -- truly move-in ready. From the moment you walk in, you'll notice the bright, open layout, soaring vaulted ceilings, and updated finishes that create an inviting and airy feel. The spacious living areas flow seamlessly, featuring a formal living room, formal dining room, family room, and a large eat-in kitchen -- giving you multiple options for entertaining and everyday living. The kitchen has been completely updated with sleek cabinetry, modern countertops, and newer appliances, making it the heart of the home. Bedrooms are generously sized, with the primary suite offering a walk-in closet, updated ensuite bath, and direct access to the pool area. Secondary bathrooms feature their own updated bathrooms and ample storage. Step outside to your private Florida oasis -- a gorgeous in-ground pool and spa surrounded by a screened lanai and patio area, perfect for lounging, swimming, or hosting gatherings. And here's the best part: the backyard backs onto a private nature reserve, offering peaceful views, extra privacy, and a perfect setting for nature and animal lovers. Imagine enjoying your morning coffee poolside while watching deer, birds, and other Florida wildlife just beyond your fence -- all from the comfort of your own backyard retreat. Even better -- this home comes with a huge bonus: furniture can stay and is included in the price! That means you can move right in and start enjoying the Florida lifestyle without lifting a finger. Additional highlights include: - Completely updated bathrooms and flooring throughout - Vaulted ceilings and plenty of natural light - Dedicated laundry room - 3-car garage with plenty of storage space - Community features include sidewalks, well-maintained landscaping, and close proximity to Ridgemoor Park, top-rated schools, golf, shopping, and restaurants. This property checks all the boxes: an updated, move-in ready home with a private pool & spa, backing onto a nature preserve, located in one of Palm Harbor's most desirable neighborhoods. And with furniture, it's truly a rare opportunity you won't want to miss. Schedule your private showing today and experience the best of Tampa Bay living in this exceptional home!
Source: STELLAR #TB8432864
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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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