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2118 Song Sparrow Ct, Ruskin, FL 33570
3 beds · 3 baths · 1,845 sqft
Nestled in a sought-after gated community, this beautifully maintained two-story home invites you in with charming curb appeal, upgraded landscaping, and swaying palm trees. Step through the welcoming front entry into a bright, open foyer—setting the tone for the comfort and spaciousness that awaits. The open-concept main floor features a light-filled living and dining area, ideal for both everyday living and entertaining. The generously sized kitchen boasts granite countertops, stainless steel appliances, walk-in pantry, a breakfast bar, and a large dining area overlooking the private, fully fenced backyard. Just off the kitchen, the lanai offers a serene retreat—perfect for enjoying your morning coffee or relaxing at the end of the day around the paver patio with fire pit. A convenient half bath and a large under-stairs closet add function and flexibility. Upstairs, all bedrooms are thoughtfully positioned for privacy and quiet. The expansive primary suite features a spacious walk-in closet, and a spa-inspired en-suite bath with dual vanities, a walk-in shower, and a soaking tub made for relaxation. Two additional bedrooms provide plenty of natural light, large closets and versatility for family, guests, or a home office. With carpet only in primary closet, this home offers low-maintenance living with tile in wet areas and plank flooring in all bedrooms and living spaces. This move-in ready home offers peace of mind with quality finishes and meticulous care throughout. Located in a resort-style community with fantastic amenities—including a pool, fitness center, clubhouse, playgrounds, dog parks, and more—you’ll also enjoy easy access to local schools, dining, shopping, I-75 and major employers like Amazon.
Source: STELLAR #A4656827
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: STELLAR #A4656827
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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