4974 Coquina Key Dr SE Saint Petersburg, FL 33705
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About this home
Welcome to your WATERFRONT TOWNHOME in Waterside South at Coquina Key. This FURNISHED 3-bedroom, 2.5-bath residence with DEEDED BOAT SLIP AND 10K LIFT offers unobstructed views of Tampa Bay and is just steps from the Yacht Club and pool. With 1,437 square feet across two levels, the home provides a flexible layout for everyday living, entertaining, and enjoying a PREMIERE WATERFRONT LIFESTYLE. Wake up every day to gorgeous sunrises in this active community where amenities are abounding. The main level features open living and dining areas connected to the updated kitchen (2020) with GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, and new (2025) LUXURY VINYL FLOORS throughout. Upstairs, the primary suite includes an ensuite bath, walk-in closet, and private balcony overlooking the Bay. Two additional bedrooms, a full bath, and a convenient UPSTAIRS LAUNDRY (2021) complete the second level. Recent updates include a new 2025 HVAC, 2022 ROOF, new exterior paint and stucco, HURRICANE-RATED WINDOWS AND DOORS, and plantation shutters throughout. Outdoor spaces include a patio on the main level and a second balcony off the primary bedroom, both designed to capture the water views. Waterside South offers 24-hour gated entry and a wide range of amenities—clubhouse, two pools, on-site fitness center, pickleball courts, tennis courts, volleyball and basketball courts, billiards, library, fishing dock, kayak launches, and dog park. For those who enjoy a lively community, the event calendar includes holiday parties, community-run happy hours at the on-site bar, pickleball tournaments, and more! HOA dues also cover exterior maintenance, flood insurance, water, sewer, trash, pest control, basic cable, and internet. Don’t miss the opportunity to own the largest home currently available in Waterside South. Offered furnished and MOVE-IN READY, this residence delivers serene waterfront living with a full array of community activities to match your lifestyle.
Source: STELLAR #TB8417843
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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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