Experience refined, care-free living in this exceptional 5-bedroom +den and a loft, 5-bathroom home with a 3-car garage and spectacular salt-water heated pool. Meticulously maintained and enhanced with premium upgrades, it strikes the perfect balance of elegance, daily practicality, and peace-of-mind features you'll appreciate every day. Curb appeal captivates from the moment you arrive: stone-accented entry, expansive wide driveway, no front neighbors, and serene lake views. Just steps away lies a lush green space featuring a community lake, dog park, and playground — ideal for families and pets. Step inside to soaring 10-foot tray ceilings, a coffered dining room ceiling, raised-panel wainscoting framing the foyer and dining areas, elegant crown molding, and upgraded baseboards that exude timeless craftsmanship. The gourmet kitchen serves as the true heart of the home with beautiful quartz countertops, custom upgraded cabinetry, designer fixtures, a generous butler's pantry, and expansive walk-in pantry. The main level offers 4 of the 5 bedrooms (with one of the bedrooms reimagined as a cozy wine room), plus a flex room/office. The luxurious primary suite features an oversized walk-in closet and a spa-inspired bath with dual vanities, a deep soaking tub, and a stunning walk-in shower. Upstairs, a versatile loft awaits — perfect for a media room, play area, gym, or creative retreat — paired with a private ensuite 5th bedroom for your guests. The show-stopping, fully fenced backyard is an entertainer's dream: a custom-designed, automated salt-water heated pool and spa with app-controlled lighting, pumps, and water features. Savor al fresco dining in the charming outdoor gazebo, enjoy the added convenience of a pool bath, and delight pet owners with a dedicated fenced dog run. Low-maintenance luxury extends throughout: rock landscaping, drip irrigation, enhanced drainage, and full low-voltage landscape lighting for evening ambiance and security. Recent smart upgrades include a 2022 roof with high-wind-resistant shingles and superior underlayment, spray-foam attic insulation, whole-house generator interlock, plantation shutters, and comprehensive home technology: Ring wired video doorbell, Ring spotlight cameras (garage/driveway, backyard, and pool), plus high-speed Starlink residential internet with Gen 3 router, living room has ceiling-mounted 7.1 channel surround speakers ready for watching movies at home. Every detail has been thoughtfully considered in this move-in-ready masterpiece — offering superior value and refinement beyond most new construction. Nestled in the desirable gated Serenity Creek community (no CDD fees, very low HOA), you're perfectly positioned near top-rated A schools, fine dining, shopping, quick interstate access, downtown Sarasota, St. Petersburg, Tampa, and Southwest Florida's world-class beaches. This is more than a home — it's a lifestyle of serenity, sophistication, and smart living. Welcome home!
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.
