NO HOA! HUGE FULLY FENCED LOT WITH CIRCULAR PAVER DRIVEWAY, GATED SIDE PARKING, DETACHED GARAGE, POOL, GENERATOR & HURRICANE IMPACT PROTECTION! SOME PHOTOS ARE VIRTUALLY STAGED*. Rare fully updated 4BR/2BA West Palm Beach pool home offering 2,296 SF GLA / 2,914 SF GA on a 13,088 SF LOT in a prime central location near I-95, Florida Turnpike, PBI Airport, downtown WPB, beaches, shopping, dining, and major area destinations. Designed for buyers who need more than a standard driveway, this property features a front circular paver driveway, gated side parking, covered private parking, and a detached 12x24 garage/storage building with a commercial-grade roll-down door and commercial-grade shelving on tracks. Plenty of room for RV, boat, trailer, multiple vehicles, work trucks, equipment, tools, or hobby storage. The 4th bedroom/office with separate exterior entry is ideal for a home office, guest space, or flexible-use room. Inside, the home offers a bright split-bedroom/open floor plan with separation between the primary suite and secondary bedrooms, wood-plank-style tile in the main living areas, white kitchen cabinetry, granite countertops, stainless steel appliances, breakfast bar seating, and easy flow to the dining/living areas and pool. Major improvements include a permitted 2017 complete remodel with roof, A/C, hurricane impact windows/doors/sliders, flooring, electrical system, 4th bedroom addition, second bath, and kitchen granite countertops; 2021 kitchen cabinet update, opened kitchen entry, primary bath renovation with dual vanities and modern shower, interior paint, and replaced range; 2022 patio replacement, pool resurfacing, paver driveway, and full-house Generac generator with buried propane tank; 2025 roof over outdoor kitchen area and all HVAC ductwork replaced. FPL electric service is underground, and the primary suite also includes a large walk-in closet. The fully fenced backyard is built for South Florida outdoor living with a sparkling pool, expansive resort-style travertine paver deck, covered lanai, covered outdoor kitchen/BBQ area, fire pit area, and open green space perfect for pets, play, and entertaining. With NO HOA, enjoy the property without HOA pet restrictions, vehicle restrictions, or monthly HOA fees. Prime central West Palm Beach location near Okeechobee Blvd, Southern Blvd, parks, Palm Beach Outlets/Tanger, The Square, Clematis Street, the Norton Museum, and the Kravis Center. Close to notable area educational and cultural institutions, including Bak MSOA, Dreyfoos School of the Arts, Palm Beach Atlantic University, and Vanderbilt University's planned West Palm Beach campus. West Palm Beach continues to attract major investment, development, universities, and financial firms as part of the growing "Wall Street South" movement. *Disclosure: One or more photos have been virtually staged and are labeled accordingly. Virtual staging may include furnishings, décor, artwork, landscaping, vehicles, boats, RVs, outdoor accessories, and other visual enhancements for marketing purposes only. The actual condition, layout, and features of the property are shown in the non-staged photos, which follow or precede each virtually staged photo. Buyers should independently verify all property features, dimensions, permitted uses, and items included in the sale. Information deemed reliable but not guaranteed. Buyer is responsible for independently verifying all property data, including measurements, square footage, and compliance with all city and county ordinances. All information is subject to errors, omissions, or changes without notice. Reliance on unverified information is at Buyer's sole risk.
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.
