*** One of the lowest $/SF in Keene's Pointe *** Welcome to this updated, move-in ready luxury home in Keene’s Pointe, one of Windermere’s premier 24-hour guard-gated golf communities and home to the Golden Bear Club. Offering 5 bedrooms, 4 bathrooms, and 3,358 square feet of living space, this beautifully upgraded residence combines luxury finishes, functional design, and an exceptional Central Florida lifestyle just minutes from Disney, top-rated Windermere schools, shopping, dining, and major highways. Situated on an oversized homesite with a large driveway accommodating up to nine vehicles and a three-car garage, this home makes an immediate impression. Inside, the open-concept floor plan features commercial-grade porcelain tile flooring, crown molding, updated lighting, designer finishes, and spacious living areas designed for both everyday living and entertaining. Just off the entry, a custom wet bar with wine refrigerator and beverage fridge flows seamlessly into the dining area and main living space. The updated chef’s kitchen overlooks the family room and showcases quartz countertops, a large center island with additional 36-inch cabinetry storage, a farmhouse sink, soft-close dovetail cabinetry, stainless steel appliances, a natural gas range with vent hood, and an ideal layout for entertaining guests or hosting family gatherings. The spacious first-floor primary suite serves as a private retreat and features a large custom walk-in closet along with a beautifully updated spa-style bathroom complete with dual vanities, soaking tub, oversized walk-in shower with multiple spray features, and custom tile details. Three additional bedrooms and two updated bathrooms are located on the main level, while all bedrooms include custom closet systems and updated ceiling fans. Upstairs, newly finished stairs lead to a versatile loft with luxury vinyl plank flooring, an additional bedroom, and a full bathroom, creating flexible space ideal for a media room, home office, guest suite, or multigenerational living setup. The outdoor living space is designed for Florida entertaining with an approximately 900-square-foot paver patio, natural gas firepit, spacious backyard, and nightly Disney fireworks views. The rear yard is also prewired with 50-amp power for a future pool installation if desired by the next owner. Additional improvements include a 2021 roof replacement, extensive updates throughout the home, a new natural gas meter installed in 2025, and a meticulously maintained septic system with annual servicing over the past 10 years, a new septic alarm box and meter installed in 2021, and a new septic float installed in early 2025. The property also offers exceptional storage with three overhead garage storage racks rated for 600 pounds each, along with a fully planked, lighted, and walkable attic space above the entire three-car garage. Residents of Keene’s Pointe enjoy access to private boardwalks to Lake Tibet and the Butler Chain of Lakes, two community boat ramps, four playgrounds, and year-round neighborhood events. Optional Golden Bear Club membership offers access to championship Jack Nicklaus-designed golf, tennis courts, resort-style pool, fitness center, dining, and social activities. This updated Windermere luxury home offers a rare opportunity to own in one of Central Florida’s most desirable gated golf communities. 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.
