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$465,000
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13049 SW Pembroke Cir S, Lake Suzy, FL 34269

4 beds · 3 baths · 2,341 sqft

SPACIOUS 4 Bedroom, 3 Bathroom, 3 Car Garage, home with a formal dining room, situated on an OVERSIZED LOT in Lake Suzy. LOW HOA FEES & NO FLOOD REQUIRED! 2020 SOLAR WITH TESLA BATTERY BACKUP FOR UP TO 20 HOURS OF POWER (without A/C use) & A WHOLE HOME WARRANTY with HVAC coverage until 2030! CLICK ON THE VIRTUAL TOUR LINK 1 FOR THE VIDEO AND VIRTUAL LINK 2 FOR THE 3D TOUR. Enter through a beautiful custom screened entryway. Create unforgettable memories in a spacious living room that seamlessly connects to the lanai through a glass slider, with a formal dining room just steps away — perfect for entertaining. The EAT-IN kitchen offers ALL stainless-steel appliances, granite countertops, a closet pantry, plenty of cabinets for storage, and a breakfast bar. The master bedroom has a door to the lanai, TWO walk-in closets a private en-suite bathroom with split sink vanities, a walk-in shower with a rain shower head, a linen closet and water closet. The guest bedrooms are on a split floor plan, providing plenty of privacy, built-in closets, and guest bathrooms nearby. A covered and screened lanai is perfect for sipping your morning coffee or unwinding with your favorite evening beverage. The large, fully fenced backyard offers plenty of space for outdoor activities, gardening, or simply relaxing in privacy. It’s perfect for pets, play, and entertaining family and friends. 2023 ROOF - 2023 UPDATED DRYWALL (except master bedroom) - 2023 UPDATED FLOORING - 2023 UPDATED KITCHEN CABINETS & COUNTERTOPS - HURRICANE PROTECTION - 2024 HURRICANE WINDOWS - IRRIGATION SYSTEM W WATER SAVING SENSORS- SCREENED ENTRY - ELECTRIC SCREENED GARAGE. The Pembroke community has a walking path and is near multiple golf courses, which is perfect for the golf enthusiast. Conveniently close I-75 for easy access to local shopping & boutiques, fine & casual dining, LIVE entertainment, and AWARD-WINNING BEACHES!! Schedule your showing TODAY!

Estimated
Seller's interest rate
3.125%
7%
Estimated
Monthly payment

$2,167
$2,684
You may also save up to $155,919 in total interest paid.

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,684 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
FHA
Rate
3.125%
Remaining term
25 yrs and 2 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,167
Principal & interest
$1,091
Mortgage insurance
$180
Property taxes
$461
Home insurance
$422
HOA fees
$12
Utilities
Not included

Source: Public records

Home details
Size
2,341 sqft
Lot size
0.26 acres
Year built
2016
Type
Single Family Residence
HOA dues
$12.50

Source: STELLAR #C7506423

Frequently asked questions

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 620, 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.

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.

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.

View all FAQs
Last updated: Jun 12, 2025 07:17 am
Listing agent: Mike Oakes (239) 785-9598
Listing provided courtesy of: KW PEACE RIVER PARTNERS (941) 875-9060
Details provided by STELLAR and may not match the public record.
MLS ID: #C7506423
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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Est. seller's rate
3.125%
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