Welcome to 10099 Linden Place Drive, a beautifully maintained Seminole home where high elevation, concrete construction, and meticulous attention to detail come together to deliver truly move-in-ready Florida living. Sitting approximately 56 feet above sea level in a deed-restricted community, the home offers peace of mind and long-term value, with a low annual HOA of $770.66 due each January, which includes Waste Pro trash and recycling service. From the moment you step inside, the open and flowing floor plan feels spacious, bright, and welcoming. Natural light fills the living and dining areas, highlighting durable flooring, crown molding, and plantation shutters throughout. The seamless layout creates an ideal environment for both everyday living and effortless entertaining. The updated kitchen serves as the heart of the home, featuring soft-close cabinetry, premium granite countertops, KitchenAid stainless steel appliances, and an upgraded Insinkerator 1-horsepower garbage disposal. Designed with functionality and connection in mind, the kitchen opens directly to the main living areas, making it perfect for hosting, cooking, or enjoying relaxed mornings at home. Every update reflects thoughtful planning and careful execution. The primary suite offers a private retreat with a walk-in closet and a well-appointed bath featuring dual vanities and a custom glass waterfall shower. Additional bedrooms are generously sized and versatile, ideal for guests, home offices, or flexible spaces to match a variety of lifestyles. Outside, the screened and enclosed patio opens to a private saltwater pool with a newer pool heater and a fully vinyl-fenced backyard. Mature landscaping, irrigation, and a well-designed outdoor layout create a peaceful setting for relaxing, entertaining, and enjoying Florida’s year-round sunshine. This home truly stands apart with major system upgrades already completed, including PGT impact-rated windows built to Miami-Dade Code and hurricane rated winds, a new 3.5-ton Trane HVAC system with ductwork installed in 2024, a 200-amp electrical panel upgrade, a reinforced hurricane-rated garage door from Precision Garage Door Company rated up to 168 MPH, a commercial-grade water heater, newer customized front doors, hurricane-rated exterior French doors, and priority power grid access. Every improvement has been completed with exceptional care, reflecting true pride of ownership. Conveniently located near beaches, shopping, dining, and parks, this Seminole property combines location, elevation,and construction quality, into one outstanding opportunity. Thoughtfully upgraded, meticulously maintained, and completely move-in ready, this is exceptional Florida living at its best.
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.
