6244 Spoonbill Dr New Port Richey, FL 34652
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About this home
Welcome to waterfront living in the sought-after Gulf Harbors Community! This stunning home offers breathtaking water views from nearly every room and features an open floor plan filled with natural light. The spacious, open-concept kitchen is designed for entertaining — showcasing granite countertops, stainless-steel appliances, upgraded cabinetry, and a breakfast bar large enough for the whole family. Enjoy casual meals in the eat-in area or host dinners in the formal dining space with a bay window overlooking the water. Upgraded flooring flows throughout both levels, enhancing the home’s modern feel. The primary suite is a private retreat with unforgettable water views, a walk-in closet, and a luxurious ensuite bathroom. Step outside to your backyard oasis, complete with a beautiful pool area, two pergolas, a shaded sitting area with awning, dog run, 52 feet of seawall, and a floating dock — perfect for paddleboards, kayaks, or launching your boat for a quick trip to the Gulf of Mexico in minutes. The side-fenced yard offers extra space for pets or family gatherings. Residents enjoy access to Gulf Landings Clubhouse, community pool, tennis courts, and the option to join the exclusive Gulf Harbors Beach Club for just $200 per year — a private beach reserved for local residents. Located in a quiet, well-kept community close to shopping, dining, and entertainment, this home perfectly blends coastal living and everyday comfort.
Source: STELLAR #TB8436588
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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.