$589,000
16245 E Burns Dr, Loxahatchee, FL 33470

About this home

This home sits on a quiet dead-end street, yet closer to town than most. The 1.31-acre corner lot backs to a canal boundary that will never be developed, giving you privacy that's getting harder to find. AR zoning means room for horses, a workshop, RVs, boats, trailers, and the freedom to use your property the way you choose. Inside, you'll find impact windows and doors throughout, fresh interior and exterior paint, stainless steel appliances, a split-bedroom floor plan, Roman tub, purified drinking water at the kitchen sink, and a screened patio overlooking your backyard. Need a garage? The current bonus space can be converted back in an afternoon thanks to removable panels. This isn't just more land. It's fewer compromises. Picture the corner. Canal running along the back boundary — that tree line is permanent, the water is permanent, the privacy is permanent because the state doesn't sell canal buffers. On your east side, a road instead of a neighbor. On two sides you have open space that will never change. That's the geometry of a corner lot on a canal in unincorporated Palm Beach County, and it's the thing you cannot manufacture on a standard interior lot regardless of what you spend. The numbers: 57,064 square feet. 1.31 acres. AR zoning. No HOA. No deed restrictions beyond Palm Beach County zoning code. Most households in Broward County are living on 7,000 square feet and paying an HOA to tell them what color their mailbox can be. This is a different kind of property. One thing to address directly: the garage. The previous owner converted part of it to a home office using 3-inch insulated panel walls — styrofoam core, aluminum skin on both sides. Lightweight. Not structural. If you want the full garage back, two people and a Saturday afternoon. Disclosed because it deserves a straight answer, not because it's a complication. AR — Agricultural Residential — is Palm Beach County's designation for land where you are the decision-maker. You can build a guest house by right, subject to county setbacks, no variance required. Put up a pole barn. Build a pool. Keep horses. Store your RV and boat on your own property. You file with Palm Beach County Building Division when you're ready — that is the only approval process. No HOA means no board meeting, no violation notice, no architectural review committee. The county sets the rules. Everyone else stays out of it. Turn the tap on a Friday night when you move in and pour a glass. The Kinetico K5 reverse osmosis system — installed by Aqua Soft Water Systems in January 2017 — delivers purified drinking water at the kitchen sink and refrigerator. Ten-year warranty on parts and membrane. Private well serves the property. No city water connection, no monthly water utility bill. Southern Boulevard runs east to the Turnpike in under 10 minutes. Wellington is 15 minutes east. West Palm Beach is 25. Palm Beach International Airport is 30. Here's what most buyers miss about this address: you are closer to all of it than the overwhelming majority of Acreage properties. The Acreage runs deep — some addresses are 20 to 25 minutes from anything. This one is not. You get the land, the privacy, the zoning, and the dead-end quiet without paying the distance tax most of the Acreage charges. Saturday morning has a ritual. The Royal Palm Beach Green Market and Bazaar runs lakeside at Village Hall, 1050 Royal Palm Beach Blvd — Saturdays 9 AM to 1 PM, seasonal October through April, highest-traffic green market in Palm Beach County. Ten minutes from your driveway. After the market, breakfast at Seeds Café, 1036 Royal Palm Beach Blvd Suite B, inside Veterans Park — locally owned, Wednesday through Sunday 8:30 AM to 1:30 PM, fried green tomato eggs Benedict, homemade biscuits. For the afternoon, load the horses and head eight miles north on Seminole Pratt Whitney to J.W. Corbett Wildlife Management Area — 60,348 acres at 6528 Northlake Blvd. Equestrian trails, hiking, hunting in season, freshwater fishing. Before most people in Boca have finished coffee you've been on open trail for two hours. Saturday also has Palm Beach County Shooting Sports Park at 6116 Longspur Trail, Lake Worth — 150 acres, one of the largest public shooting facilities in Florida, trap, skeet, sporting clays, pistol, rifle. Twenty minutes. Golf: Madison Green Country Club, 2001 Crestwood Blvd North, Royal Palm Beach — public access, daily fee championship course, full driving range, no membership required. Fifteen minutes east. Four restaurants worth knowing: Brass Ring Pub, 10998 Okeechobee Blvd, Royal Palm Beach — local institution, burger and wings, packed Friday nights. Seeds Café for breakfast. Park Avenue BBQ Grille, 13897 Wellington Trace, Wellington — Palm Beach Post readers' pick for best BBQ in Palm Beach County, meats smoked fresh daily, fifteen minutes east. Boonies Wild West Saloon, 14555 Southern Blvd, Loxahatchee Groves — five minutes away, live bands weekends, gator bites, ribeye, families and regulars every Friday night. Westlake — directly north on Seminole Pratt Whitney — is delivering its Publix-anchored retail center now. Not planned. Delivering. The ER at Westlake at 16750 Persimmon Blvd has been open since 2024. Healthcare: ER at Westlake, 16750 Persimmon Blvd, Westlake FL 33470. Full emergency room — not urgent care. 24/7 physician-staffed, 11 treatment spaces, 10,000 square feet. Full emergency scope, direct admission to Wellington Regional Medical Center. Approximately six miles from this driveway. Palms West Hospital, 13001 Southern Blvd — HCA Healthcare, full acute care, eight minutes east. Wellington Regional Medical Center, 10101 Forest Hill Blvd, Wellington — full acute care, fifteen minutes. Three facilities. Fifteen minutes at the outer edge. Anyone telling you the Acreage is too far from a hospital is working from a 2019 map. MECHANICALS AND SYSTEMS HVAC: 4-ton 16 SEER split system with 23.5 Hi-Efficiency condenser and 10KW electric heater, installed July 2018. Manufacturer warranty — functional parts through July 2028, compressor through July 2030, air handler functional parts through July 2028. The compressor warranty runs four years from now. Impact windows and doors: installed throughout June 2018. Get a wind mitigation inspection before closing — your carrier must credit the impact protection. That is your single largest insurance variable and it is already done. Roof: approximately 19 years old. Buyers should factor accordingly. Appliances: Frigidaire dishwasher installed February 2017. Refrigerator 2013. Stainless steel appliance package conveying with sale. Water: Kinetico K5 reverse osmosis at kitchen sink and refrigerator, installed January 2017, 10-year parts and membrane warranty. Private well. No city water connection. Insurance: Flood zone — most of this corridor does not carry mandatory flood insurance; verify before closing. Buyers from coastal Broward or Miami-Dade where flood insurance runs $3,000 to $8,000 annually will find the comparison favorable. No clubhouse. No community manager. No gate. The last house on a dead-end street — the only vehicle that comes down your road belongs to someone who lives here. The family with dogs, a boat, and a side-by-side has been looking for exactly this. 1.31 acres, room for a pool and a pole barn, canal boundary that never changes, impact glass done, AC under warranty through 2030, closer to town than 95% of Acreage addresses. In Palm Beach County in 2026, you are not finding this combination at $589,000 anywhere else — and this close to town. QUESTIONS AND ANSWERS Can you build a pool here? Yes — 1.31 acres provides sufficient square footage for an in-ground pool under Palm Beach County AR zoning setbacks. Can you build a pole barn? Yes — AR zoning permits detached agricultural and storage structures. Palm Beach County building permit required, no HOA approval needed. Are horses allowed? Yes — AR-zoned with equestrian features and trail access. Horse keeping perm


3 bed
2 bath
1,762 sqft
1.31 acres
Single fam
Built 1989
2 car
A/C
Your payment
$2,727/mo at 3.75%
You save $1,429/year compared to a new mortgage.

FHA loan: $202,495 at 3.75%
Gap loan: $0
Payment details
Home price
$589,000

Down payment
$386,504

Total loan (3.75%)
$202,495
FHA loan (3.75%)
$202,495
Gap loan (7.13%)
$0

Term
20 yrs 7 mo

Tax rate

× $589,000 = $10,013/yr

Premium

Include loan insurance
Loan insurance on FHA loans is generally permanent. An exception applies when the original down payment was 10% or more, permitting removal after 11 years from origination.
Fees
Water/sewer
Electricity
Internet
Gas
Neighborhood
FAQ

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.

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Last updated: Jun 24, 2026 05:13 pm
Listing agent: Brian C Wilder PA (561) 201-4717
Listing provided courtesy of: Keller Williams Realty - Welli, (561) 472-1236
Details provided by BEACHES and may not match the public record.
MLS ID: #B26037044
Payment calculations are estimates and exact amounts will be confirmed by your agent.
All listings featuring the BMLS logo are provided by Beaches MLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2026 Beaches Multiple Listing Service, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The listing broker's offer of compensation is made to participants of BeachesMLS, where the listing is filed, as well as participants of MLSs participating in MLSAdvantage or a data share with BeachesMLS.
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