Welcome to your own private country retreat offering two separate parcels totaling approximately 2.3 acres, providing added flexibility and the potential opportunity to build on the second lot. Nestled in a serene setting surrounded by nature, this property offers the perfect blend of peaceful living and everyday convenience, just minutes from US-27, I-4, shopping, medical facilities, Champions Gate, Disney World, and Central Florida’s world-famous theme parks. From the moment you arrive, you’ll appreciate the extended driveway and welcoming entry highlighted by a beautiful stained-glass front door and matching windows. Step inside to a stunning tile foyer with decorative medallion detailing that immediately showcases the home’s character and charm. Cathedral ceilings create an open, airy atmosphere throughout the home, while tile flooring flows through the main living areas, kitchen, and bathrooms, with comfortable carpet in the bedrooms. The kitchen with its GRANITE countertops, decorative backsplash, double ovens, and a Unadose chlorination filtration system, make it ideal for entertaining, holiday gatherings, or everyday living. The inviting layout and eat in bar offers both comfort and functionality, creating a warm space for gathering with family and friends. The spacious primary suite serves as a true retreat, featuring a large walk-in closet and private water closet for added comfort and privacy. The en-suite bath includes GRANITE countertops, a fully tiled shower, and a relaxing jacuzzi tub positioned within the bedroom suite to create a spa-like atmosphere. Enjoy your screened-in pool and relax on the back porch with the convenience of an automatic awning, creating the perfect setting to enjoy Florida afternoons while overlooking the peaceful surroundings filled with abundant birds and local wildlife. The beautifully maintained grounds feature an irrigation system, extended driveway, and plenty of room for RVs, recreational vehicles, trailers, or additional equipment, complete with a convenient RV hookup already in place. Recent updates and additional features include: NEW roof (2026), NEW hot water heater (2026), AC replaced in 202 with UV light system, Pool pump replaced in 2020, pool screens replaced approximately 10 months ago, pest control service twice yearly, 500-gallon propane tank with approximately 65 galls of remaining gas, Generator included (needs pad and reconnection), new hot water heater (2026), Ac replaced in 2020 with UV light system. If you’ve been searching for privacy, functionality, and room to breathe without sacrificing convenience, this exceptional property is a must-see.
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.
