Welcome to your private tropical paradise located in the highly desirable Country Place community, situated within one of Tampa’s most sought-after schools. This beautiful 3-bedroom, 2-bath pool home with a 2-car garage offers the perfect combination of luxury, privacy, convenience, and resort-style living. Ideally located, this home sits just minutes from the Veterans Expy, providing fast access throughout Tampa, Pasco, and Pinellas Counties while still being nestled within a quiet, friendly neighborhood known for its welcoming atmosphere and two outstanding community parks. From the moment you arrive, the curb appeal is undeniable. Front yard showcases extensive custom paver work including a paver driveway, custom paver mailbox, decorative paver-bordered landscaping beds, and matching paver accents that continue around the backyard creating an upscale appearance. Inside, quickly notice the spacious open living area with vaulted ceilings and beautiful views overlooking your private oasis. The outdoor entertainment area includes a custom concrete outdoor bar, matching concrete fire table, professionally installed tiki hut, therapeutic Michael Phelps Edition Jacuzzi, and a stunning bean-shaped self-cleaning swimming pool designed to keep maintenance to a minimum while maximizing enjoyment. The backyard was designed for entertaining and relaxation. Enjoy evenings around the firepit area surrounded by tropical landscaping, palm trees, lush greenery, and resort-style amenities that create an atmosphere usually reserved for luxury homes. The professionally built tiki hut, constructed by Gilligan’s Island Tiki Huts, features recently replaced premium thatch and creates the perfect shaded gathering space for watching TV, entertaining guests, or simply enjoying the Florida lifestyle. The oversized kitchen has been expanded beyond standard layouts to provide exceptional counter space and storage. Recently upgraded Hampton Bay soft-close cabinetry pairs beautifully with modern Samsung stainless steel appliances including a premium refrigerator with water and ice dispenser, Samsung Air Fry stove, dishwasher and microwave. Additional upgrades and premium features include: Custom Gladiator garage system and diamond plate cabinetry RaceDeck garage flooring with lifetime warranty Upgraded hurricane garage door with decorative windows Commercial-sized gutters designed to prevent clogging and overflow during heavy rains Smart Jandy automation system controlling pool equipment, lighting, and outdoor features Recently upgraded guest bathroom with new vanity, lighting, faucets, fixtures, and modern porcelain toilet New waterproof luxury vinyl flooring installed throughout all bedrooms Modern leaf-blade ceiling fans throughout living areas and bedrooms Durable all-concrete construction providing exceptional strength and storm resistance Privacy continues outdoors with a newer PVC fence surrounding the property. A double gate provides access to a spacious rocked storage pad perfect for storing a 23+ foot boat, RV, trailer, or additional recreational equipment This home delivers the lifestyle and amenities typically associated with million-dollar properties at a fraction of the cost If you have been searching for a move-in ready home that combines luxury upgrades, resort-style outdoor living, convenience, and exceptional value, this is the one! Please call the owner for showings. Live every day like you’re on a tropical island vacation!
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.
