Welcome to this TRULY IMPRESSIVE 4-bedroom, 2.5-bath colonial-inspired residence in the highly coveted Avery Park community of Winter Springs, where TIMELESS ELEGANCE meets modern comfort across more than 3,000 SQUARE FEET of impeccably maintained living space. Perfectly positioned on a CORNER LOT within a GATED enclave, this home offers an exceptional combination of sophistication, warmth, and community charm. From the moment you arrive, the GRACIOUS FRONT PORCH, enhanced by FRESH LANDSCAPING (2026) and UPDATED RAILINGS (2025), sets a refined and inviting tone. Step through the DECORATIVE GLASS-PANELED ENTRY into a light-filled interior adorned with PLANTATION SHUTTERS throughout and rich ARCHITECTURAL DETAILING, creating an atmosphere that feels both elevated and welcoming. The formal Living and Dining Rooms offer elegant spaces for hosting, while the home gracefully transitions into a more relaxed yet equally impressive setting. The CHEF-INSPIRED KITCHEN is truly a centerpiece, beautifully updated with RESURFACED CABINETRY with NEW HARDWARE and PULL-OUT SHELVING (2024), glass-front accents, granite countertops, a sleek tile backsplash, stainless steel appliances (NEW REFRIGERATOR in 2025), a center island, breakfast bar, and pantry closet. The SUNLIT BREAKFAST NOOK, framed by sliding doors, invites you to enjoy morning coffee with views of the outdoor living space. The Family Room exudes comfort and style, featuring a TRAY CEILING and corner sliding doors that open to a paver patio within a PANORAMIC SCREENED ENCLOSURE, seamlessly blending indoor and outdoor living. The Primary Suite, thoughtfully located on the main level, is a true retreat, offering GENEROUS PROPORTIONS, a tray ceiling, abundant natural light, and a LUXURIOUS EN SUITE BATH complete with dual vanities, a soaking garden tub, a step-in shower, and a spacious walk-in closet. A well-appointed Laundry Room and stylish half bath complete the first floor. Upstairs, a SPACIOUS LOFT provides a versatile gathering space, perfect for a media room, game room, or additional lounge. Three additional bedrooms and a full bath offer comfort and flexibility for family or guests, with PROFESSIONALLY CLEANED CARPETING enhancing the move-in-ready appeal. This home is further elevated by an impressive list of updates, including NEW LUXURY VINYL PLANK FLOORING throughout the main floor (2025), FRESH INTERIOR PAINT (2025), EXTERIOR PAINT (2023), a NEWER ROOF (2020), UPDATED LIGHTING, and multiple AC SYSTEMS (2016 & 2018). The THREE-CAR GARAGE with built-in storage racks adds both practicality and visual appeal. Residents of Avery Park enjoy a vibrant lifestyle with AMAZING AMENITIES, including a sparkling community pool, playground, basketball court, gazebo, and a scenic pond with fountain, along with FREQUENT COMMUNITY EVENTS that foster a true sense of belonging. Ideally located near CENTRAL WINDS PARK and WINTER SPRINGS TOWN CENTER, this home offers easy access to shopping, dining, recreation, and everyday conveniences. Families will appreciate proximity to TOP-RATED SCHOOLS, while commuters benefit from NEARBY ACCESS to State Road 417, connecting you quickly to surrounding areas including Orlando. With its classic charm, modern updates, spacious layout, and EXCEPTIONAL LOCATION, this Avery Park home provides a lifestyle that is both elegant and welcoming—truly a place to feel at home. Act quickly—this GEM won't last long!
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.
