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100 Kensington Cir, Panama City Beach, FL 32413
3 beds · 2 baths · 2,351 sqft
Here's your chance to grab an incredible home in one of the most sought-after neighborhoods in PCB! Nestled on a spacious .34 corner lot, this beautiful 3-bedroom, 2-bath gem has so much to love--starting with a fully fenced backyard for ultimate privacy and a trio of thriving citrus trees, perfect for enjoying fresh fruit right from your own yard. Plus, recent upgrades: ✅ New roof (2024) ✅ New HVAC (2025) ✅ Fresh interior paint ✅ Upgraded landscaping ✅ Newer vinyl privacy fence ✅ Coated sandstone patio flooring ✅ Epoxy garage floor ✅ Outdoor hot/cold shower ✅ Patio wired for cable & plumbed for gas--ready for your dream outdoor kitchen! You're diagonally across from the community pool and just minutes from Pier Park, and just minutes from Pier Park, Top Golf & Dolly's Pirate's Voyage! Step inside to find a bright, open floor plan that instantly feels like home. The formal dining room and versatile flex spaceperfect as a cozy sitting area, home office, or even a fourth bedroomall flows into a generous family room that connects seamlessly to the kitchen and breakfast nook, making it ideal for both quiet mornings and lively get-togethers. The primary suite is your own private retreat with a large walk-in closet and a spa-like en suite, featuring a garden tub, separate shower, water closet, and an extra linen storage. A split floor plan ensures privacy for guests with two additional bedrooms and a shared full bath. Outside, you'll love the custom extended 2-car garageplenty of room for a full-size SUV and a second vehicle, plus, tons of extra storage! Palmetto Trace offers resort-style amenities including two pools, scenic sidewalks, and pet-friendly walking stations. =??100 Kensington Circle - where comfort, convenience, and backyard citrus bliss meet! Don't waitcall your favorite Realtor and schedule your private tour today!
Source: EMERALDCOAST #976686
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: EMERALDCOAST #976686
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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