Welcome to your private Florida retreat in the double guard-gated community of Arbor Greene! Perfectly positioned on a quiet cul-de-sac and backing directly to the Flatwoods Preserve trail system, this exceptional 4-bedroom, 3.5-bath pool home offers the rare combination of luxury, privacy, and nature. Set on a beautifully landscaped homesite surrounded by majestic trees, palm trees, and abundant wildlife, you'll enjoy breathtaking conservation views and direct access to miles of scenic walking and biking trails right from your own backyard. From the moment you arrive, the home's impressive architecture, stacked stone accents, soaring entryway, and spacious three-car garage create unforgettable curb appeal. Step through the grand double-door entry into a light-filled open floor plan featuring soaring ceilings, elegant tray ceilings, updated lighting, rich wood and tile flooring throughout (no carpet), and walls of windows that seamlessly blend indoor and outdoor living. Designed for both everyday comfort and entertaining, the kitchen serves equipped with granite countertops, stainless steel appliances, a large center island, decorative backsplash, abundant cabinetry, and generous prep space overlooking the dramatic two-story family room and sparkling pool. The thoughtfully designed floor plan offers flexibility with the primary suite conveniently located on the first floor, complete with tranquil pool and conservation views, dual walk-in closets, and a spa-inspired ensuite featuring dual vanities, a walk-in shower and a relaxing garden tub. A first-floor guest suite with an adjacent full bath provides the perfect space for visitors, while a separate living area and one of the garage bays have been thoughtfully configured to serve as an ideal in-law suite, private guest quarters, home office, or space for an older teen. Upstairs, you'll find two additional bedrooms, a full bath, and an oversized bonus room perfect for a media room, game room, fitness studio, or playroom. Step outside to your own backyard oasis featuring a screened, heated pool and spa, an expansive lanai, travertine paver deck, newer pool filtration system, and peaceful conservation views—an ideal setting for entertaining or simply unwinding while enjoying spectacular Florida sunsets. This meticulously maintained home offers peace of mind with numerous recent updates, including a 2023 roof, newer HVAC systems x2, newer water heater, newer kitchen appliances, freshly painted pool deck, and a one-year home warranty included for the new owner. Living in Arbor Greene means enjoying one of New Tampa's most sought-after communities, featuring 24-hour guarded gates, resort-style amenities including a Junior Olympic lap pool, resort pool, state-of-the-art fitness center, clubhouse, tennis courts, pickleball courts, basketball courts, playgrounds, and miles of scenic walking trails. Families will appreciate the private neighborhood walking and biking paths leading to highly rated elementary and middle schools located just outside the community gates. Conveniently located near premier shopping, dining, hospitals, golf courses, USF, downtown Tampa, and Tampa International Airport, this home offers an unmatched combination of luxury, convenience, and natural beauty. Homes offering this level of privacy, flexibility, extensive updates, and direct preserve access rarely become available. Schedule your private showing today!
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.
