Welcome to Daytona Park Estates, where newer construction meets thoughtful upgrades and everyday comfort. This home truly impresses inside and out! Enjoy Florida living at its finest with a large 31x31 patio, complemented by a screened-in porch with a ceiling fan, perfect for relaxing year-round. The backyard is fully fenced and thoughtfully designed, featuring a 24-foot crystal-clear above-ground pool with safety stairs, (new pool pump), a 12x20 enclosed garden bed with a water spigot, and LED lighting around the house for a warm evening ambiance, which creates the ideal setting for cozy nights under the stars. Additional exterior upgrades include gutters with an underground corrugated drainage system, multiple hose bibs, a protected well and water softener system, and a fenced area for the AC unit. The home also features numerous outdoor outlets and a Eufy security camera system for peace of mind. This beautifully maintained 2020-built, 3-bedroom, 2-bath home offers approximately 1,560 square feet of well-designed living space, combining modern finishes with practical features that truly set it apart. Step inside to an inviting open-concept layout where the living room, dining area, and kitchen flow seamlessly together, creating the perfect space for entertaining or simply enjoying day-to-day life. The kitchen is a standout, featuring granite countertops, a classic subway-tile backsplash, shaker-style cabinetry, and stainless-steel appliances. (Fridge 2024) A stunning oversized island (over 5 feet in length) is accented with pendant lighting and offers ample prep space, seating, and storage, truly the heart of the home. Recessed lighting is displayed throughout the home. The primary suite is a private retreat, complete with a spacious walk-in closet featuring a California-style organization system. The en-suite bathroom includes a dual vanity, soaking tub, and separate shower, offering both comfort and functionality. Two additional bedrooms and a full bath provide flexibility for family, guests, or a home office. The indoor laundry room with added cabinetry adds convenience and extra storage. The garage is equally impressive, boasting an epoxy-coated floor, attic access with pull-down stairs and plywood flooring for storage, and expanded functionality with thoughtful upgrades throughout. The extended driveway and additional parking pad provide plenty of space for vehicles, guests, or recreational toys. Curb appeal shines with front entry pavers, decorative columns, fresh mulch, and a lit house number on a dusk-to-dawn sensor, welcoming you home in style. From the privacy hedges to the carefully planned drainage, lighting, and storage solutions, every detail of this home has been considered. This is more than just a house; it’s a move-in-ready lifestyle property offering comfort, efficiency, and modern charm in the peaceful setting of Daytona Park Estates. Close to 92 and beaches! Come see it for yourself; this one truly stands out. List of upgrades is attached! Schedule your private showing today to view and experience this stunning, well-maintained home in person! Please note that all information and measurements are provided for accuracy, but are not guaranteed to be accurate. Buyers and their agents should verify all property details, including zoning, schools, HOA rules, pet policies, and other potential uses.
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.
