8289 136th St Seminole, FL 33776
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About this home
Step inside this inviting block-constructed residence with 1,833sqft with a backyard that can be expanded! The modern open floor plan creates a spacious hub where kitchen, dining, and family rooms converge on ceramic tile flooring. Split floor plan, Recessed lighting, ceiling fans, and stylish pendant lights set the tone, while expansive windows brighten every corner. The chef’s kitchen boasts stainless steel appliances framed by dark-toned cabinetry with soft-close hinges, crisp countertops, and a roomy breakfast bar—perfect for entertaining or everyday comfort. Retreat to the oversized master suite, where you'll find a generous layout and a large walk-in closet. Two additional bedrooms offer versatility—ideal for guests, hobbies, or a home office. A dedicated indoor laundry room adds convenience and separation from living spaces. The exterior is equally impressive: a two-car garage offers abundant storage with direct indoor access. The home is hooked up to a generator to keep power up and running in times of need! A roof only a few years old. Home is not in a flood zone and in one of the highest elevation areas, this home also features a corner lot providing additional privacy and curb appeal. You're just 15–20 minutes from vibrant St. Petersburg downtown, and Clearwater, St. Pete Beach, and Indian Shores are all geographically close.
Source: STELLAR #TB8397079
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Close stress-free in 45 days, handled start to finish by Roam.
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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.