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12805 Raysbrook Dr

Riverview, FL 33569

5 beds · 3 baths · 2,125 sqft

$464,900

$2,340/mo with 5% Express Financing

$3,030/mo with normal bank financing

Get prequalified

12805 Raysbrook Dr

Riverview, FL 33569

5 beds · 3 baths · 2,125 sqft

$464,900

$2,340/mo with 5% Express Financing

$3,030/mo with normal bank financing

Get prequalified
About this home

Step inside this beautifully maintained single-story home where comfort, space, and thoughtful design come together across over 2,100 square feet of heated living area. From the moment you enter, it’s clear this is more than a house—it’s a home designed for living and gathering in all the best ways. This spacious residence boasts five well-appointed bedrooms and three full bathrooms, offering ample room for both privacy and togetherness. Whether you need space for a growing family, guests, or a home office (or two), you’ll find flexibility and room to breathe. The primary suite serves as a peaceful retreat, complete with porcelain tile flooring and a generous walk-in closet, while the attached en suite bath adds just the right touch of luxury. Rich engineered hardwood, warm laminate, and sleek ceramic and porcelain tile flow throughout the home, creating a modern yet cozy feel across every room. From the elegant dining area to the inviting living and family rooms, the layout is designed with ease and connection in mind. Cathedral ceilings add an open, airy feel, while large windows bring in natural light to brighten your days. The heart of the home is a well-equipped kitchen featuring solid surface counters and solid wood cabinets, designed with both style and function in mind. An adjacent dinette provides the perfect spot for casual meals, morning coffee, or homework time, while the kitchen/family room combo allows conversations to flow easily while meals are prepared. Step through the sliding doors to a screened rear porch overlooking a landscaped backyard—perfect for enjoying Florida evenings in comfort and privacy. The fully fenced yard gives you peace of mind for kids or pets at play, while the 0.23-acre lot offers just the right balance of space and manageability. Additional touches make life easier, including an inside laundry room, built-in features throughout, ceiling fans, and a smart layout with a split-bedroom plan for added privacy. A two-car garage with an automatic opener provides both convenience and extra storage space, while the wide driveway ensures plenty of parking. Located on a paved street lined with sidewalks, this property also includes community access to a park, basketball court, and playground—adding even more value and opportunities for recreation close to home. With a strong foundation of concrete block and stucco construction, a newer shingle roof, and no flood zone worries, you can move in with confidence and peace of mind. Whether you're looking to upsize, create your dream home office setup, or simply enjoy more space and style in a serene setting, this residence offers it all. Come explore everything this exceptional home has to offer—it just might be the one you've been waiting for.

Source: STELLAR #A4649949

2,125 sqft
10,125.0 sqft
Single Family
Built in 1999
2 car garage
Air conditioning

Seller's estimated current equity is SIGNIN
To assume this mortgage you must cover the seller's equity by using your cash or by combining your cash with gap financing.
Estimated $3,030 monthly payment

Financed
SIGNIN
Open house
Jul 20 • 1PM - 3PM

Payment details
Principal & interest
$1,208
Mortgage insurance
$213
Property taxes
$495
Home insurance
$422
HOA fees
-
Utilities
Not included
Total monthly payment
$2,340
Neighborhood
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.

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Last updated: Jul 17, 2025 08:26 pm
Listing provided courtesy of: LPT REALTY, LLC (877) 366-2213
Details provided by STELLAR and may not match the public record.
MLS ID: #A4649949
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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