Welcome to 945 145th St Cir NE, Bradenton, FL – a meticulously upgraded 3 bedroom + large Bonus Room, 3 bath 2787 sq. ft. pool residence, designed for both everyday comfort and elegant entertaining. An expansive private rear yard too! From the moment you arrive, the home makes an impression with its real stone columns, fresh exterior paint, upgraded landscaping with custom lighting, and paver driveway and walkway. Step inside to find rectified Italian porcelain flooring flowing through the main living areas, complemented by engineered hardwood in the bedrooms. Arched entries, rounded corners, vaulted tray ceilings, and crown molding enhance the open layout, while collapsing pocket sliding glass doors seamlessly connect the Great Room to the outdoor living space. Throughout the home, 5 ¼” baseboards and 8-foot doors add a refined, custom finish. The heart of the home is the upgraded kitchen, featuring dovetail soft-close cabinetry with crown molding, granite countertops, a counter-height peninsula, under-cabinet lighting, and a vented glass/stainless-steel hood. A custom walk-in pantry, bar nook with quartz countertop and wine fridge, and upgraded fixtures complete the space. The laundry room is equally well-appointed with cabinetry, sink, washer/dryer, and an additional storage closet. The oversized media room, spanning over 400 sq. ft., offers flexibility to serve as a second master suite or entertainment space. The primary suite itself is a retreat, featuring custom dual walk-in closets with built-ins, blackout curtains, and a luxurious bath with a soaking tub beneath a chandelier. Outdoor living is truly exceptional. A screened, extended lanai of over 1,000 sq. ft. showcases upgraded pavers, ceiling fan, and it’s already plumbed for an outdoor kitchen and TV wiring. The heated saltwater pool with brick coping is paired with a lighted spa cascading into the pool. For peace of mind, the lanai is protected by UV-rated hurricane screens, with storm shutters for windows and doors. The lushly landscaped yard includes four mature coconut palms and over 50 magnolia trees, all maintained by an automatic sprinkler system. Additional highlights include epoxy-coated garage floors with “Florida basement” for raised shelf storage, monitored outdoor cameras and motion lighting for extra security, tinted double-pane windows, and upgraded chandeliers and fixtures throughout. This home combines high-end finishes, practical upgrades, and extensive indoor-outdoor living – a rare opportunity in the gated community of Enclave at Country Oaks in Bradenton. View property website at: https://tours.snaphouss.com/945145thstreetcirclenortheastbradentonfl34212?b=0
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.
