7152 Chatum Light Run Bradenton, FL 34212
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About this home
A rare find! This spacious 4-bedroom, 2.5-bath home with a 2-car garage combines modern upgrades with serene Florida living. Enjoy peace of mind with major updates completed this year, including a brand-new roof, new HVAC system with ductwork, and fresh paint inside and out. The home also features energy-efficient solar panels installed in 2023, helping you save on utility costs. This property is also located in a **non-flood zone**, offering added security and lower insurance costs. Step into the modern kitchen featuring granite countertops, stainless steel appliances, and a brand-new dishwasher. All bedrooms boast brand-new carpet, adding comfort and a fresh feel throughout. The primary bedroom offers a relaxing retreat with its en-suite bathroom featuring a custom, renovated shower and a soaking tub, along with a spacious walk-in closet. Upstairs also includes a versatile mezzanine area, perfect for a recreation room, home office, or study space. Step outside to your own tropical paradise featuring meticulously maintained landscaping and a lush, living fence that provides exceptional backyard privacy. Relax and unwind on the screened back patio overlooking your tranquil backyard oasis. Inside, you’ll find washer and dryer, and window coverings—all included. Located in the desirable Lighthouse Cove at Heritage Harbour community, residents enjoy soccer fields, Little League baseball diamonds, a Frisbee golf course, and a newly renovated massive newly renovated playground. Golf enthusiasts will love the nearby Heritage Harbour Golf Course, and shopping is a breeze with Costco, a brand-new Target, and great restaurants just minutes away. Move-in ready and meticulously cared for—this home truly has it all!
Source: STELLAR #TB8442589
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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.