673 Hart Lake Dr Winter Haven, FL 33884
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About this home
Under contract-accepting backup offers. Stunning 4-Bedroom pool home on an oversized, fully-fenced lot in the highly sought-after gated SE Winter Haven community of Hart Lake Hills. Welcome to your dream home! This lovingly maintained 4-bedroom, 2.5-bath residence sits on a spacious near 1/3-acre fully fenced lot offering privacy, room to roam, and the perfect blend of comfort and style. Step inside through the covered front porch or pull into the over-sized garage with custom epoxy floor and be wowed by the soaring high ceilings, elegant 8-foot interior doors, and an open-concept floor plan designed for both everyday living and entertaining. Gorgeous arched windows create a dramatic curb appeal and flood the home with natural light. The heart of the home features a spacious living area that flows effortlessly into the dining nook and kitchen—complete with French doors that open to your own backyard oasis. Enjoy indoor-outdoor living with a screened-in pool area and new upgraded salt-water cell system (both updated in 2024), a covered patio, and lush green grass—ideal for entertaining, relaxing, or play. The huge master suite is a true retreat, offering a large walk-in closet, dual vanities, a soaking tub, private water closet, and plenty of space to unwind. For added peace of mind, a 24kW whole-home generator was added in 2023, with discerning new owners also being able to enjoy a newer roof and tankless natural gas water heater (2021). Residents of Hart Lake Hills also enjoy private access to Lake Hart, an exclusive area in the community to launch your kayak or paddle board, have a picnic with family, or just enjoy the beautiful scenery. Even better, this property could not be any more commutable-- minutes from Highway 27 AND Hwy 60 that will take you to the I-4 corridor, Winter Haven's very own Legoland Florida Resort, the Polk Parkway, and in the center of a thriving community with many convenient grocery, restaurant, shopping, and commuting options for travel in less than an hour from Disney World and other Orlando attractions, the Orlando and Tampa International Airports, and the gulf-side beaches of Tampa/St. Pete! Schedule your private showing today, and don't miss the opportunity to make this incredible home yours. This is more than a house—it’s truly a place you will love to call home.
Source: STELLAR #P4936723
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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.