Absolutely spectacular, stunning model home situated on one of the most desirable oversized lakefront lots in all of Valencia Sound, offering wider streets with sidewalks and breathtaking unobstructed water views. This exceptional residence showcases over $300,000 in upgrades and is positioned on one of the largest and most premium lots in the community, delivering the perfect blend of luxury, design, and lifestyle. From the moment you arrive, you are greeted by a dramatic two-story entry and immediately welcomed into a residence defined by soaring architectural ceilings with cove detailing, walls of windows, and expansive sliders, creating an incredibly bright, open, and airy environment with seamless indoor-outdoor living and panoramic lake views. Every space has been thoughtfully designed to maximize light, flow, and connection to the outdoors. The heart of the home is a magnificent chef's kitchen featuring a large center island, elegant backsplash, farmhouse-style oversized porcelain sink, walk-in pantry, premium cabinetry, and high-end appliances, all overlooking the resort-style pool and lake. The home is ideal for entertaining with a separate bar area featuring a wet bar and wine refrigerator, as well as a flexible formal dining room or multipurpose space. Designed for true Florida living, the outdoor space is exceptional, offering a covered patio with summer kitchen, ceiling fans, expansive entertaining areas, and a stunning pool with Aqualink system, all set within one of the finest lakefront backyards in Valencia Sound. The home offers four graciously proportioned bedrooms with crown molding and large walk-in closets, including a luxurious primary suite with high ceilings, a private sitting area, and breathtaking pool and lake views. The spa-like primary bath features double vanities, custom built-ins, dual-entry shower, private commode, and dual walk-in closets. A cabana bath enhances the outdoor lifestyle. Additional features include a large laundry room with custom cabinetry, impact windows, and a rare three-car garage with additional storage, further elevating both function and value. Valencia Sound offers a world-class 39,000+ square foot clubhouse featuring a grand porte-cochere entrance, elegant lobby overlooking the pool, grand ballroom and social hall with dance floor and stage, catering kitchen and cooking studio, restaurant with indoor and outdoor seating, poolside bar, sports lounge with billiards, card rooms, arts and crafts center, administration offices, and event space. The community amenities include a resort-style pool, lap pool, resistance walking pool, spa, children's wading pool, multiple shaded pool areas, six tennis courts, eleven pickleball courts, four bocce courts, racquet pro shop, and beautifully designed walking, jogging, and biking paths. Residents enjoy a full-service lifestyle with a social director, professional management, 24-hour staffed gatehouse, on-site lifestyle staff, and comprehensive maintenance including landscaping, irrigation, exterior pest control, and common area upkeep, along with alarm monitoring and private streets. Valencia Sound represents one of South Florida's premier 55+ resort communities, offering unmatched amenities, luxury living, and an exceptional lifestyle experience. This home stands as one of the most compelling opportunities currently available in Valencia Sound.
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.
