Back on the Market! Spacious 4-Bedroom Townhome in Lakeland, FL – Maintenance-Free Living with TWO Community Pools & Steps from Downtown!Discover the perfect blend of space, convenience, and Florida lifestyle in this generously sized 4-bedroom, 3-bath townhome located in a prime Lakeland community. Whether you're a growing family, a busy professional, or a pet owner looking for easy living, this low-maintenance gem delivers everything you need without the hassle of yard work or high upkeep.Inside the Home:Open-concept main floor with a huge great room that flows effortlessly into the dining area and a beautifully upgraded kitchen — ideal for entertaining, family dinners, or everyday living. Modern granite countertops, plenty of workspace for cooking and baking, and a convenient breakfast bar. Guest half-bath conveniently located on the first floor. Private screened and covered lanai — your personal outdoor retreat for morning coffee, evening relaxation, or year-round Florida enjoyment. Upstairs you’ll find four well-sized bedrooms. The primary suite features a walk-in closet and private en-suite bathroom with a standalone shower. The flexible fourth bedroom is currently used as a study/home office — perfect for remote work or a hobby room. A full bathroom with smart built-in shelving serves the additional bedrooms.No carpet anywhere — all hard-surface flooring throughout makes this home allergy-friendly, pet-friendly, and incredibly easy to clean and maintain.Resort-Style Amenities & Location:Community pool right next to your building plus a second clubhouse pool by the lake with breathtaking sunset views. Minutes from Publix Plaza shopping and just a short drive (or bike ride) to vibrant downtown Lakeland. Enjoy First Friday events, Makers Market, classic car shows, foodie festivals, weekly farmers market, food truck rallies, top-rated dining, shopping, and entertainment — all right at your fingertips. Recent Updates & Peace of Mind:Replumbed in 2024 Roof replaced 2018–2019 New wiring installed prior to current ownership AC regularly serviced by Alexander Air This rare combination of downtown Lakeland proximity, generous living space, resort-style amenities, and major recent updates at an affordable price point won’t last long. Perfect for families, professionals, and pet lovers seeking a move-in ready townhome with minimal maintenance.View the photos, experience the 3D virtual tour, and schedule your private showing today — before this opportunity is gone again! Call or message now to make this Lakeland townhome yours.
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.
