GATED COMMUNITY. FITNESS CENTER & POOL. BACKYARD OASIS. Welcome to this beautifully updated home located in the Verandahs community of Hudson offering a blend of comfort, functionality, and outdoor living. 4-bedroom, 2.5 bath, FLEX SPACE, 2 car-garage with expanded driveway. Numerous major improvements have already been completed including a NEW ROOF (2022), NEW AC system (2022), NEW water heater ( 2025), screened in front porch added (2022), expanded driveway that comfortably accommodates (4) vehicles or up to (6) for compact vehicles, attractive stone accenting on the front exterior, freshly mulched landscape beds, and remodeled downstairs living areas featuring updated lighting, LUXURY VINYL PLANK flooring, and a REDESIGNED kitchen layout. Just off the kitchen is a full-sized dining area ideal for gatherings and hosting. In addition, there is a carved-out flex space off the living room that easily functions as a home office, study, reading area, playroom, or additional sitting space. A convenient downstairs half bath for guests and day to day convenience. The kitchen has been thoughtfully improved with a enlarged island, drawers all around, custom-built pantry featuring abundant shelving, with built-in spice rack. ITEMS WORTHY OF MENTION; replacement of the powder bath pedestal sink with storage cabinet, living room wall removed creating an open concept layout, primary bathroom REMODEL featuring a spacious walk-in shower conversion with built in seating, dual showerheads including one detachable shower wand, and (3) built in shampoo niches. The updated double vanities are complemented by a quartz countertop, brushed nickel hardware, updated mirrors, upgraded lighting, luxury vinyl plank flooring, and modern finishes, built in CHAIR LIFT provides convenient access to the second level and may be removed by seller if desired. The backyard has been transformed into a private OUTDOOR OASIS, designed for both relaxation and entertaining. Enjoy a fully FENCED BACKYARD with tucked away section off the side of the home perfect for a garden or play area, an expanded rear patio, running the length of the home, measuring approximately 10x25, a charming two person loveseat swing, an inground firepit, and a large, COVERED GAZEBO includes fan, lighting, and two dedicated electrical outlets with Trex composite decking which provides a highly durable, splinter free surface that resists rot, insects, and fading without requiring staining or sealing. Additional exterior improvements include an 8x12 storage shed with electricity, and a southeast backyard orientation allowing beautiful sunrise exposure and natural morning light throughout the outdoor living space. As an ADDED BONUS the property currently features the cutest tortoise shelter. While Buddy and Tipsy Tucker are not included in the sale, the seller is willing to leave the tortoise shelter for buyers bringing their own shelled family members. This home offers a unique combination of modern updates, functional living spaces, outdoor enjoyment, accessibility features, and thoughtful improvements throughout. There is a small pond located right across the street. The Verandahs is a golf cart friendly community with a clubhouse featuring a kitchen and bathrooms, 24-hour fitness center, resort style pool with bathrooms, playground, and community activities, minutes from the Suncoast Parkway and a Publix shopping plaza. Survey & Video available upon request. Buy a Little Piece of Florida Now!
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.
