**Welcome to this stunning 5-bedroom, 3-bath, 3-car garage POOL HOME, featuring SMART home technology with an upstairs loft, ideally located in a quiet gated enclave within the highly sought-after Bloomingdale Village community of Valrico.** The gated entrance is shared with the adjacent Bloomingdale Golfers Club, offering an impressive and welcoming arrival into this beautifully maintained, family-friendly neighborhood. From the moment you arrive, the home’s exceptional curb appeal and lush landscaping set the tone. Step inside and be immediately drawn to serene views of the screened lanai and sparkling pool, creating a true sense of relaxation and indoor-outdoor living. Formal living, family, and dining rooms provide elegant spaces for entertaining and special gatherings. The spacious kitchen is a dream for any home chef, featuring 42" light cabinetry, GE Cafe gas stove, electric oven, stylish backsplash, stainless steel appliances, abundant custom storage, a prep island, breakfast bar, and a cozy breakfast nook with built-in storage—perfect for casual meals or homework time. The kitchen opens seamlessly to the family room, highlighted by a soaring cathedral ceiling and sliding doors that lead directly to the lanai, pool, and outdoor living area. Outdoor entertaining is effortless with a gazebo ready for your next gathering, and plumbing and electrical already in place for a future outdoor kitchen. The expansive screened lanai offers plenty of covered space to relax or entertain year-round. The private primary suite is thoughtfully positioned on one side of the home and features dual closets and a beautifully appointed en suite bath with soaking tub and separate shower. Three additional bedrooms are tucked away on the opposite side of the main level for added privacy. All bedrooms are located on the first floor, while the upstairs loft with a closet offers flexible space ideal for a media room, playroom, home office, or bonus room. This home has been meticulously maintained and thoughtfully upgraded, including a **NEW ROOF (November 2025), HVAC (2018), upgraded Electric Panel (2016), GAS WATER HEATER (2017), POOL RESURFACED, OUTDOOR PERGOLA built in (2020), MASTER BATH UPDATED INCLUDING JETTED TUB, GUEST BATHS REPLUMBED & RENOVATED, WATER CONDITIONER/OSMOSIS, BRAND NEW UPGRADED CARPET AND FRESH INTERIOR PAINT, INCLUDING GARAGE/FLOOR, offering peace of mind for years to come. LOW HOA - NO CDD - NO FLOOD ZONE (X) - The gated community sits adjacent to the Bloomingdale Golfers Club, home to the award-winning Ron Garl Signature Course—a classic championship layout surrounded by 100-year-old oaks, towering pines, and natural marshland. Residents also enjoy close proximity to top-rated schools, shopping, dining, the YMCA, and community amenities, including a park with racquetball, tennis, and basketball courts, as well as a playground. Conveniently located approximately 25 minutes from downtown Tampa, Tampa International Airport, and MacDill Air Force Base, with easy access to I-75, I-4, and the Selmon Expressway. Enjoy scenic drives to local beaches, St. Petersburg, Disney, SeaWorld, and all the best Central Florida attractions. Some photos are virtually staged. **This exceptional home offers space, comfort, and lifestyle—schedule your private showing today.**
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.
