919 E Flora St Tampa, FL 33604
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About this home
A rare opportunity with flexibility, charm, and income potential. Discover now the perfect blend of charm, flexibility, and modern updates in this move-in-ready Seminole Heights home featuring a 2-bedroom, 1-bathroom main residence, a fully furnished 1-bedroom, 1-bathroom guest house, and a versatile detached studio—ideal for a theater room, home office, gym, or creative retreat. The main home is 1,404 sq ft. Step inside to luxury vinyl plank flooring throughout and a stylishly renovated interior. The kitchen features soft grey cabinetry, gleaming quartz countertops, stainless steel appliances, and a cozy eat-in dining area. A sliding glass door opens to a spacious patio, perfect for morning coffee or evening gatherings. The primary bath serves as a sleek ensuite, showcasing dual vanities and a tub/shower combo with a glass sliding door. While the guest house is 876 sq ft. An excellent option for rental income, extended family, or guests, this detached unit is being sold fully furnished. It offers durable LVP flooring, a kitchenette with gray cabinets, a stainless-steel sink, a refrigerator, a countertop griddle, a comfortable living/sleeping space, and an updated full bathroom with a modern gray vanity and tub/shower combo. Then the detached bonus studio is tucked at the rear of the property; this flexible space is currently used as a private theater room, but the possibilities are endless—think man cave, she shed, studio, or home gym. The large fenced backyard offers ample space for pets, play, and entertaining. Fire up the grill or unwind on the generous patio area—ideal for hosting friends and family. Perfectly positioned in vibrant Seminole Heights, you’re just minutes from I-275, popular parks, local eateries, breweries, and downtown Tampa. Call now and schedule your showing today! ***Main home and guest house can be sold furnished***FREE 1/0 Rate Buy Down when using the seller's preferred lender!**
Source: STELLAR #TB8408038
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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.