Step into a home that delivers space, style, and the kind of everyday comfort buyers are looking for. This single-level residence offers 4 bedrooms, 3 bathrooms, and 1,930 square feet of heated living space, creating a layout that feels open, functional, and ready for real life. Built in 2018 with stucco construction, a tile roof, and a slab foundation, the home brings together modern fundamentals and easy Florida living. Inside, the open floor plan sets the tone immediately. High ceilings create an airy feel, while the living room, kitchen, and separate formal dining room give you defined spaces without losing connection. Whether you are hosting dinner, enjoying a quiet night in, working from home, or entertaining guests, this layout gives you options. The kitchen is designed for convenience with stone counters, a full appliance package, a water filtration system, and a UV filtration system that adds another layer of everyday peace of mind and practical value. From meal prep to daily routines, these thoughtful features help support a cleaner, more comfortable living experience while keeping the heart of the home functional and easy to enjoy. The kitchen also offers a natural flow into the main living areas, making it perfect for staying connected whether you are cooking, entertaining, or simply enjoying a relaxed night at home. The bedroom setup is another major win. All four bedrooms are located on the first floor and include built-in closet storage, giving every room practical function. With three bathrooms, the home offers the flexibility buyers love, whether you need space for guests, family, a home office, or a private retreat. Central air, central heat, ceiling fans, thermostat controls, blinds, window treatments, carpet, and tile flooring all support comfortable day-to-day living. Outside, the home continues to shine with a covered patio, hurricane shutters, an irrigation system, and a 2-car attached garage. The lot offers manageable outdoor space with a clean, low-maintenance feel, while the covered patio gives you a place to enjoy morning coffee, weekend grilling, or relaxed evenings outdoors. Community fee includes UltraFi as an added benefit. And here is the headline opportunity: this home is a blank slate, priced to sell, and offered as-is. That means the next owner gets to bring their own vision, style, and creativity without paying a premium for someone else’s choices. Refresh it, personalize it, elevate it, and make it exactly what you want it to be. This is not just a 4-bedroom, 3-bath home with a garage. This is a chance to secure a newer single-story residence with strong fundamentals, flexible living spaces, modern comfort, a UV filtration system, and real upside. Bring your vision, because this one is ready for its next chapter.
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.
