Welcome to a home where comfort, space, and timeless design come together in one of Palm Harbor's most sought-after communities. Nestled within Eagle Ridge at Boot Ranch, this beautifully maintained single-story pool home offers 4 bedrooms, 3 full bathrooms with over 2,470 square feet of thoughtfully designed living space on a generously sized homesite. Designed for the way people live today, the floor plan offers a seamless balance of open gathering spaces and private retreats. A welcoming foyer leads into spacious formal living and dining areas before opening to the heart of the home. The formal living room with its wood look tile flooring and crown molding, glass French doors opens onto the pool covered patio. The formal dining room adjacent to the chefs kitchen complete with brick accents, wood cabinetry, granite tops and stainless appliances overlooks the expansive family room, creating the perfect setting for entertaining, celebrating special occasions, or simply enjoying everyday life. The dinette opens to the pool and backyard porch. The full sized pool bath is adjacent to the family room and pool! Shiplap walls, wood burning fireplace with brick hearth, ceiling fan and crown molding creates an inviting space for any family! Natural light fills the home, enhancing its warm and inviting atmosphere while allowing every room to feel bright and connected. The spacious primary suite offers a peaceful place to unwind glass French doors provide access to the pool and patio. A walk-in closet and an ensuite bath complete with a soaking tub, 2-sink custom built vanity, thoughtful shiplap walls, designer lighting, tastefully tiled walk-in shower with rainfall shower system. three additional bedrooms provide flexibility for family, guests, or a dedicated home office. Every space has been thoughtfully designed to maximize comfort, functionality, and effortless living. 2-car garage - paver driveway! Step outside to your own private backyard retreat featuring a sparkling pool surrounded by plenty of space to relax, entertain, or enjoy Florida's beautiful year-round weather. Whether hosting weekend gatherings or spending quiet evenings poolside, this outdoor setting was made to be enjoyed. Located within the desirable Boot Ranch community, residents enjoy easy access to championship golf, parks, Lake Tarpon, the Pinellas Trail, Gulf beaches, shopping, dining, and Tampa International Airport. Combining generous living space, an exceptional location, and endless possibilities, this is more than just a home—it's a place to create lasting memories.
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.
