6131 Lafayette St New Port Richey, FL 34652
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About this home
Now on the market for only the second time in nearly 50 years! Welcome to this beautiful riverfront gem located just blocks from Downtown New Port Richey. This rare opportunity combines timeless charm with modern updates in one of the city’s most desirable and walkable neighborhoods. Leave your car at home and stroll to local restaurants, parks, breweries, the public library, the Aquatic Center, and boutique shops—all just minutes away. Situated on a generous lot with approximately 70 feet (mol) of riverfrontage, this home offers breathtaking water views and a peaceful retreat right in the heart of the city. The property’s thoughtful layout captures stunning river vistas from multiple vantage points, including the front and side porches, perfect for relaxing and enjoying serene sunsets. Inside, the home features a spacious great room with a large picture window overlooking the river and a beautifully landscaped yard. The kitchen has been fully updated with new cabinets, countertops, and fixtures, blending functionality with style. Both bathrooms have been tastefully refreshed, maintaining the beloved charm of the original 1950s tile. Additional highlights include: Freshly painted interior and exterior Mature landscaping providing shade and privacy Prime riverfront location ideal for kayaking, fishing, or simply enjoying the view Convenient access to major routes, beaches, and the cultural attractions of downtown Homes like this rarely come to market—especially with this combination of history, location, and character. Don’t miss your chance to own a piece of New Port Richey’s riverfront charm, lovingly cared for and ready for its next chapter. This one-of-a-kind property is move-in ready and waiting for its new owners. Schedule your private showing today!
Source: STELLAR #TB8443942
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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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