PRICE REDUCED!! The Owners can accommodate a quick closing. This meticulously maintained move-in ready two-story home built in 2010 offers 2,851 sq. ft. of living space and offers an amazing private salt water pool, ( as well as the community pool ). There are four spacious bedrooms, two and a half bathrooms and an oversized two car garage. The Home has an irrigation system that keeps the landscaping lush, green and beautiful. The interior boasts gorgeous tiles, newer waterproof vinyl plank and laminate wood flooring throughout, eliminating carpet for low maintenance. With no rear neighbors and a brand-new downstairs air conditioner installed in April 2025, this home offers both comfort and privacy. Features include the interior of the home is beautifully painted in wonderful neutral paint colors, there is an in-wall pest control system, the home is pre-wired for a security system and there is an inside laundry room. Enjoy the refreshing and relaxing saltwater pool surrounded by gorgeous pavers and a charming open paver patio, along with a vinyl privacy fence in the backyard. You can cool off in your very own salt water pool right in your own back yard. No need to go to the Community Pool, having your own pool is wonderful for both fun family parties and relaxing, lazy summer days. The expansive master bedroom features soaring ceilings and two walk-in closets. The master bathroom includes a large vanity, relaxing garden tub, and a separate step-in shower. The home includes a wonderful loft area perfect for a home office, home gym or childrens play area. There are three additional spacious bedrooms, each with large closets and fan/lights. There is a separate formal living room that can serve as a fifth bedroom, and a lovely formal dining room. The huge family room seamlessly connects to a beautiful kitchen equipped with gorgeous gray cabinets, newer stainless steel appliances, two pantries, and a stunning kitchen island with a convenient second sink. The kitchen and dining area flow seamlessly through sliding glass doors onto a beautiful paver patio, where the amazing saltwater pool awaits. Dine Poolside and enjoy a cold beer or glass of wine while you put some steaks on the barbie and the kids and pets play in the fenced in private backyard ! You will Love this Family-friendly neighborhood, located just minutes to shopping, dining, top rated schools, hospitals and walking distance to the Suncoast Trail bike/walking trails, Anderson Snow Park with baseball and soccer fields, playgrounds and a New splashpad (just opened in July 2025). The Suncoast Parkway is only 5 minutes away making commuting a breeze. With a low HOA ( thats only $800 a year ) and no CDD fees, you have access to two community pools, fitness center, play-ground and clubhouse. You have found your Florida Dream Home with the perfect balance of suburban tranquility and urban convenience. Don't miss out on the opportunity to make it yours. Priced to sell quickly !! Schedule a private tour today and envision your future in this stunning family home—where comfort meets elegance and outdoor relaxation and enjoyment awaits!
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.
