WELCOME HOME to 4324 AUSTON WAY located in the highly desired LANSBROOK Community and the EAST LAKE CORRIDOR! This stunningly FULLY REMODELED, one story, estate pool home in Aylesford of Lansbrook features 4 BEDROOMS, 3 BATHROOMS, 3-CAR GARAGE, a FLEX SPACE to utilize as an office, den, or playroom, a newly converted and resurfaced SALT WATER POOL. The improvements and updates done to this home include an EXQUISITE KITCHEN, new appliances offering a MASSIVE ISLAND with storage throughout, anchored by HIGH END QUARTZ COUNTERS, a farmhouse sink, coffee bar, brass hardware and beautiful finishes. The family room hosts a fire place and vaulted ceilings that adjoins to the kitchen, perfect for family gatherings and entertaining with POCKET SLIDING DOORS leading to the POOL. A SPLIT FLOOR PLAN hosts a private master suite with ensuite, two bedrooms off the living space with an additional bathroom, along with the fourth bedroom in the back of the home, a PERFECT SPACE FOR A TEEN OR IN-LAW SUITE, complete with a pool bath. An INSIDE LAUNDRY ROOM off the garage completes the wonderful lay out of this luxury home's open floor plan. As if you needed more, this home also sits in a NON-FLOOD ZONE and an A-RATED SCHOOL DISTRICT. Just when you think it couldn't get any better - FEATURES INCLUDE: NEW HOT WATER HEATER (2024); HOT TUB (HOT SPRINGS 2023) 10K INCLUDING HOME WIRING; NEW WOOD BASEBOARDS THROUGHOUT; NEW FLOORING THROUGHOUT - INCLUDING WATERPROOF LUXURY VINYL FLOORING BY CORETEC (2021); WITH THE ADDITION OF BEDROOMS (2024) AND DESIGNER TILE; BEAUTIFUL FEATURE WALL IN OFFICE; LED LIGHTING UPGRADES THROUGHOUT; WOOD BEAM ADDED TO FAMILY ROOM VAULTED CEILING (2023); ELEVATED FIREPLACE; LAVISH COMPLETELY REMODELED KITCHEN; FARMHOUSE SINK; ZELLIGE DESIGNER TILE BACKSPLASH IN KITCHEN; ALL STAINLESS STEEL APPLIANCES; NEW BOSCH OVEN (2022) NEW REFRIGERATOR FEATURING GLASS DOOR AND CRAFT ICE (2022), DISHWASHER (2022), AND MICROWAVE (2021); NEW INTERIOR DOOR GOLD HARDWARE (2021); CONVENIENT BUILT-IN CUBBY FOR ALL YOUR KIDS (AND ADULTS) EXTRAS - SHOES, BACKPACKS, JACKETS, KEYS, ETC. - OFF THE GARAGE AS YOU ENTER HOME; WOOD CEILING ON LANAI (2023); NEW AC AND DUCTWORK (2021); A/C UV FILTRACTION AND SANITIZATION (2023); WIRED FOR SECURITY WATER SOFTENER (2022), WATER SOFTENER MAINTENANCE REFRESH (2024); PEBBLE BRITE POOL RESURFACE (2020); POOL FILTER (2022) GUTTERS (2021); NEW ROOF (2017); POCKET SLIDING DOORS THAT OPEN THE FAMILY ROOM UP TO THE POOL AREA. Located withing walking distance to the PINELLAS TRAIL; LANSBROOK PARK offering PLAYGROUNDS, BASKETBALL COURTS, AND A HUGE SOCCER FIELD, COMPLETE WITH A LAKESIDE PAVILION AT THE LAKEFRONT PARK. Close to shopping, pubs and restaurants; the DUNEDIN CAUSEWAY; JOHN CHESTNUT PARK and SO MUCH MORE! Easy access into DOWNTOWN DUNEDIN, SAFETY HARBOR; DOWNTOWN TAMPA; HOME TO THE BUCS, LIGHTNING AND RAYS; TAMPA INTERNATIONAL AIRPORT; ST PETE/ CLEARWATER AIRPORT AND THE WHITE SANDS OF CLEARWATER BEACH. THIS HOME IS CENTRAL TO SOME OF THE MOST SOUGHT AFTER ATTRACTIONS IN OUR AREA! TIS THE SEASON TO TREAT YOURSELF TO YOUR DREAM HOME .... Come take a look **ASSUMABLE VA MORTGAGE**
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
