1876 Creeks Vista Blvd | Lakeland, FL 33810 4 Bed | 2 Bath | Over 1/3 Acre | $100K+ in Upgrades | Creeks Crossing East The best lot in Creeks Crossing East. Just come see it to believe it as it is not even close. Over a third of an acre, pie-shaped, widening dramatically toward the rear with a sweeping view of a tranquil pond, towering mature hardwoods, and uninterrupted open space. No rear neighbors. No rooftops. Just open sky, still water, and old-growth trees with canopies that took decades to build. Beyond the property line, direct walking access to expansive open land leads to a man-made pond, wooded area, and freshwater creek. The kind of outdoor space that makes this feel like a private estate, not a subdivision. No other lot in the community comes close. Over $100,000 in premium upgrades elevate this home well above anything else at this price point. Move-in ready. Nothing to fix, nothing to add. INTERIORS Sun-drenched open-concept layout with high ceilings and diagonal white marble porcelain tile flowing throughout the entire home that must be seen to be appreciated. This is designer-level installation laid on the diagonal, not builder-grade tile on a grid. The gourmet kitchen features top-tier granite with rich movement and depth, 42-inch cabinetry with decorative crown molding, and a full stainless steel appliance package. Premium granite continues throughout every surface in the home. Four generously sized bedrooms and two full bathrooms deliver the kind of space and finish that newer production builds simply do not offer. UPGRADES Gas line for dryer, stove, and exterior tankless water heater hookup. Yield faster cook times, lower utility costs, and precise heat control most Florida homes lack entirely. 60-amp Level 2 EV charging station Plug, hardwired and ready for today's electric vehicles and tomorrow's. One of the most sought-after features on the market and a genuine differentiator at this price point. Modern LED lighting throughout. Clean white-tone interior fixtures, exterior wall sconces, and architectural soffit and eave accent lighting that gives this home a custom-built glow after dark. THE LOT Over a third of an acre. Pie-shaped. Direct sightline across open water, mature trees, and preserved open space. The privacy is absolute. The view is permanent. No future construction will ever block it. The towering hardwoods that frame the rear are not new plantings. They were here long before the neighborhood, and they will be here long after. No amount of landscaping money can replicate what nature took decades to build. Beyond the property line, accessible open land extends into a wooded natural area, effectively expanding usable outdoor space well beyond the survey. This is a backyard built for living, whether that means weekend gatherings, morning coffee at sunrise, or simply having the space to breathe. LOCATION Kathleen corridor of Lakeland. Direct access to I-4, US-98, SR-33, and US-92. Minutes to shopping, dining, and medical. Positioned between Tampa and Orlando without the price tag of either. THE BOTTOM LINE Similar sized homes in this community recently sold between $505,000 and $555,000. This home delivers $100K+ in upgrades and the best lot in the subdivision at over a third of an acre. This does not come around often. When it does, it does not last. Schedule your private showing today. 1876 Creeks Vista Blvd | Lakeland, FL 33810 | Creeks Crossing East
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.
