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39542 Friends Ave, Zephyrhills, FL 33540
4 beds · 2 baths · 1,874 sqft
Escape the HOA and discover spacious Florida living at 39542 Friends Avenue in the City of Zephyrhills in Pasco County, Florida. This beautifully upgraded four-bedroom, two-bathroom home in the Greater Tampa Bay Area offers 1,874 square feet of living space with no HOA and no CDD fees. The home is also eligible for $0 down USDA loans and FHA financing, making it an excellent opportunity for qualified buyers. If you're tired of cookie-cutter communities with restrictive rules, this home offers the freedom to park your RV, boat, trailer, or work vehicles without limitations. Situated on a quiet road for added privacy, the property backs up to a peaceful tree farm, providing a serene backyard view while still enjoying the benefits of a connected neighborhood. It’s the perfect blend of privacy and connection for those who appreciate space, quiet surroundings, and the flexibility to live, work, or host without restrictions. Inside, you’ll find new carpet in all four spacious bedrooms, durable and pet-friendly laminate flooring throughout the main living areas, and new contemporary tile in both bathrooms. The kitchen features hardwood cabinets, new countertops, upgraded appliances, and a stylish tile backsplash. The home also includes modern LED lighting, updated fixtures, and fresh interior paint. The indoor laundry room is equipped with a washer and dryer for added convenience. Outdoor living is a highlight, with an oversized front deck, a massive screened-in porch, and a covered pergola ideal for relaxing or entertaining. There are also two backyard sheds, perfect for storage, hobbies, or workshop use. The home is just minutes from SkyDive City, the Sarah Vande Berg Tennis and Wellness Center with tennis, pickleball, and padel courts, and less than two miles from Crystal Springs Preserve and the Hillsborough River, great for kayaking and nature walks. With quick access to I-4 and I-75, commuting to Plant City, Tampa, Wesley Chapel, and beyond is a breeze. Schedule your private showing today to experience the freedom, comfort, and location this Zephyrhills home has to offer.
Source: STELLAR #TB8384503
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 #TB8384503
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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