Welcome to 10023 Ians Ridge, an exceptional opportunity to own a spacious pool home within the gated community of La Vina in the heart of Lake Nona. Offering nearly 3,600 sq ft of living space, this impressive 6-bedroom, 3-bathroom residence with a 2-car garage combines size, functionality, comfort, and future potential in one of Central Florida’s most desirable communities. Priced below market value to reflect cosmetic updating opportunities, this home presents an incredible chance for buyers to personalize and upgrade the property to their own style while already benefiting from several major recent improvements completed by the seller. Recent updates include a BRAND NEW ROOF installed in 2026, newly replaced pool pump and EV charging station in the garage. Upon entry, the home welcomes you with an expansive layout designed for both entertaining and everyday living. Elegant formal living and dining spaces create the perfect setting for gatherings and special occasions, while the oversized family room flows seamlessly into the kitchen, creating a warm and inviting central living space. The kitchen features abundant countertop space, a center prep island, upgraded 42-inch cabinetry with crown molding, decorative glass accents, wine storage, and a full suite of stainless steel appliances. Large windows and sliding glass doors fill the home with natural light while showcasing beautiful views of the private backyard retreat and pool area. One of the home’s most desirable features is its flexible floor plan. With six full bedrooms, multiple living areas, and dual staircases leading upstairs, this home is ideal for large families, multigenerational living, guests, home offices, fitness rooms, or media spaces. An oversized loft upstairs provides the perfect secondary retreat for movie nights, gaming, work-from-home flexibility, or additional entertainment space. The spacious owner’s suite offers a peaceful escape featuring tray ceilings, serene backyard views, and an upgraded en-suite bathroom complete with updated tile work, dual vanities, and a large walk-in shower with seamless glass enclosure. Additional bedrooms are generously sized and thoughtfully positioned throughout the home. Step outside and enjoy your own private Florida oasis complete with a sparkling pool, covered lanai, outdoor lounging areas, and ample room for entertaining, pets, or play. Whether hosting gatherings or relaxing poolside, this backyard was designed for year-round Florida living. Located within the gated community of La Vina, residents enjoy privacy and convenience while remaining just minutes from Lake Nona Medical City, Nemours Children’s Hospital, the VA Medical Center, UCF College of Medicine, upscale dining, shopping, golf courses, parks, and entertainment venues. Convenient access to SR-417, SR-528, and Orlando International Airport places Downtown Orlando, Disney attractions, and Florida’s east coast beaches all within easy reach. This is more than just a home — it is an incredible opportunity to secure a spacious property in one of Orlando’s highest-demand communities while creating your own vision and building long-term value in the heart of Lake Nona.
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.
