675 64th Ave S Saint Petersburg, FL 33705
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About this home
It is not often that you find such a unique, affordable property with easy access to all that stunning St. Pete offers! This home under the trees functions as the perfect duplex style property with multiple options for added privacy or rental potential. There are 3 bedroom suites with ensuite bathrooms making this a roommate's dream! As you enter you will immediately love the beautiful porcelain and marble flooring with various other unique touches throughout the home. To the left is the living room complete with built in cabinets and a wet bar. To the right of the front door is the first bedroom suite complete with double vanity and walk-in tile shower in the ensuite bathroom. As you continue you'll find the fully updated kitchen, dining area, and stair case to the loft. The loft features the 2nd bedroom suite that feels like you're truly living in a tree house where you can enjoy the oversized bedroom and statement vanity leading into the ensuite bathroom. Back downstairs as you continue you enter the back of the home that functions as a fully separate dwelling complete with living room/den, another full kitchen, and the 3rd bedroom with ensuite bathroom. There is a private entrance door in that living space and the bedroom making it perfect for a rental or scenario where people need to come and go freely. There is also a 1 car garage (including the laundry area), plenty of parking including alley access, and a front patio area to enjoy the peaceful ambiance of this shaded lot. If all of this isn't great enough, the roof was replaced and exterior painted in 2025 and kitchen and bathroom updates were completed in 2023 giving you true ease of ownership to move right in and make it your own. All of this is within minutes to boat ramps, parks, and so many other fabulous aspects of life in St. Pete so bring your boat or jet skis and get ready to enjoy the summer on the water! You do not want to miss out on this one-of-a-kind property so schedule your showing today!
Source: STELLAR #TB8392949
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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.