Discover the perfect fusion of updated sophistication and relaxed Florida living in this impeccably maintained 4-bedroom, 2-bath split-floor-plan residence situated in the charming, tree-canopied Imperial Park neighborhood of Clearwater—a peaceful, established community celebrated for its friendly vibe, pride-of-ownership homes, and serene streets. This move-in-ready beauty delivers approximately 2,100 sq ft of thoughtfully designed living space (2,092 heated sq ft, total 2,653 sq ft) with an inviting open-concept layout that promotes easy flow and connection. The heart of the home shines with a refreshed kitchen featuring elegant granite countertops, sleek new stainless-steel appliances, and tailored custom cabinetry—ready for everything from casual meals to special occasions. Thoughtful recent improvements include a refreshed pool deck, a beautifully updated master bath, new windows throughout, and a modern garage door with opener. For lasting confidence, the home boasts a new flat roof in the rear installed in 2022 along with a brand-new air conditioning system added in 2025—significant upgrades that deliver superior energy efficiency and protection against Florida’s weather. Securely positioned in Flood Zone X (no flood insurance needed), this property offers genuine peace of mind. Your private pool becomes the centerpiece for unforgettable moments—picture holiday gatherings, weekend barbecues, or quiet evenings under the stars, all surrounded by mature landscaping on a generous lot (under 1/4 acre) complete with sidewalks ideal for morning walks or evening strolls. Practical perks include a 2-car attached garage, circular driveway with extra parking, very low annual association dues of $80 (~$6.67 monthly), and pet-friendly flexibility with no minimum lease period. Positioned in the vibrant core of Clearwater, you’re surrounded by convenience: an array of restaurants, shopping centers, excellent schools, and quick highway access. Just minutes away lies legendary Clearwater Beach—Florida’s top-rated stretch of coastline, where soft sand meets turquoise waters and Pier 60 hosts nightly sunset celebrations filled with live entertainment, street artists, and seaside dining. Explore nearby Sand Key Park for tranquil beach days, the touching exhibits at Clearwater Marine Aquarium, or scenic getaways to Honeymoon Island and Caladesi Island for pristine shores, nature trails, and kayaking adventures. This isn’t merely a house—it’s a thoughtfully refreshed retreat in one of Clearwater’s most beloved neighborhoods, blending modern upgrades with unbeatable coastal access. Seize the opportunity to call 2058 Nursery Rd home—arrange your private tour today and step into the Florida lifestyle you’ve been dreaming of!
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.
