A Rare Florida Escape With Space, Privacy & Endless Freedom — Welcome to 13485 Resort Ave, Weeki Wachee If you’ve been waiting for a home that gives you space, comfort, upgrades, and complete freedom with NO HOA, this property is a standout opportunity. Located in the desirable Royal Highlands area, this 4-bedroom home sits on a spacious corner lot and offers the kind of privacy and lifestyle buyers are actively chasing in Weeki Wachee. From the moment you arrive, the property makes an impression. The privacy metal fence wraps the entire yard, giving you security, seclusion, and a clean, modern aesthetic that elevates the whole property. It’s perfect for pets, and anyone who values having their own private outdoor oasis. Step into the backyard and you’ll find a refreshing above-ground pool, ideal for cooling off on hot Florida days, entertaining, or relaxing in your own personal retreat. The oversized lot offers more than enough room for RV parking, gardening, a workshop, outdoor lounge spaces, or even the ultimate backyard resort—your land, your vision, with no HOA limitations holding you back. Inside, the home offers nearly 2,000 sq ft of well-designed living space, blending comfort with functionality. The true split floor plan gives everyone room to spread out, while the open living areas create a welcoming environment for gatherings, celebrations, or quiet evenings at home. With 4 bedrooms, you have flexibility for family, guests, a home office, or hobby rooms. Weeki Wachee is one of Florida’s most unique and sought-after nature destinations, and living here puts you minutes from: • Crystal-clear Weeki Wachee Springs • Kayaking and paddleboarding along the stunning Weeki Wachee River • Boating & fishing on the Gulf of Mexico • Hiking and wildlife preserves full of Florida beauty • Local beaches perfect for sunset evenings And when you need city convenience, you’re only about an hour from Tampa International Airport—giving you easy access to travel, top-tier shopping, dining, and entertainment while still enjoying peaceful country living. With land becoming limited and demand rising across Royal Highlands, this home offers exceptional value for any buyer—whether you’re looking for a full-time residence, a seasonal escape, or an investment in one of the fastest-growing areas in Hernando County. 13485 Resort Ave delivers privacy, freedom, lifestyle, and value all in one. This is the Florida lifestyle buyers dream of—come see it for yourself.
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.
