7410 S Fitzgerald St Tampa, FL 33616
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About this home
Over $30,000 Price Adjustment, Motivated Sellers! This beautifully maintained two-story home in the highly desirable Port Tampa City neighborhood combines comfort, functionality, and unbeatable value. Nestled on a peaceful dead-end street, this 4-bedroom, 2.5-bath residence welcomes you with a charming covered porch — a favorite spot for friendly weekend porch gatherings in this community. Inside, a versatile front room offers the perfect space for a formal dining area, home office, or cozy lounge. The open-concept kitchen serves as the heart of the home, featuring sleek stone countertops, stainless steel appliances, a central island, breakfast bar seating, and a closet pantry. Seamlessly connected to the spacious family room, this layout is ideal for both entertaining and everyday living. The main-floor primary suite provides a private retreat with a spa-like bath boasting a garden tub, oversized walk-in shower, dual vanities, and an expansive walk-in closet. Upstairs, you’ll find three additional bedrooms, a full bath, and a flexible loft — perfect for a playroom, media room, or second office. Step outside to enjoy a beautifully hardscaped backyard designed for low-maintenance living. With a screened-in patio, pavered entertaining area, and outdoor fireplace, the home offers year-round enjoyment and relaxation. Additional highlights include a two-car garage, the benefit of no through traffic, and valuable transferable protections that add peace of mind for the new owner. These include active flood insurance, an upgraded ADT home security and monitoring system (2020) with motion, fire, and safety detection, as well as a 2-10 home warranty providing coverage for HVAC, appliances, plumbing, electrical, and more. Located just minutes from MacDill AFB, Picnic Island Park, and South Tampa’s premier dining and shopping, this home represents an outstanding opportunity in today’s market. Schedule your private tour today and experience the best of Westshore and South Tampa living!
Source: STELLAR #TB8378156
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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.