Welcome to your Florida dream lifestyle at 2119 Grantham Greens Dr, where maintenance-free villa living meets resort-style amenities in the heart of Sun City Center's premier Kings Point community. This immaculate 2-bedroom, 2-bathroom home offers 1,450 square feet of thoughtfully designed single-story living with stunning golf course views from your private screened lanai. WORRY-FREE OWNERSHIP This home has been meticulously maintained with major systems recently updated: 2024 roof replacement, 2025 water heater, 2021 HVAC, and fresh exterior paint completed by the association in January 2026. Added conveniences include 2025 gutters and energy-efficient natural gas service. Simply move in and start enjoying the Florida lifestyle you've been dreaming about. ELEGANT INTERIOR Step inside to discover vaulted ceilings that create an impressive sense of space and light throughout the open floor plan. The kitchen features a convenient pantry with pull-out shelving, pristine white cabinetry, and all appliances convey including the washer and dryer. Wood-look laminate flooring flows seamlessly through the main living areas, while ceiling fans in every room ensure year-round comfort. The spacious primary suite boasts a beautifully updated en-suite bathroom and walk-in closet with custom built-in organizational systems. The second bedroom offers flexibility as a guest room, office, or hobby space. INDOOR-OUTDOOR LIVING Your approximately 20'x8' screened lanai provides the perfect vantage point to watch golfers navigate the course while you sip your morning coffee or enjoy spectacular Florida sunsets. This is outdoor living at its finest. PRACTICAL CONVENIENCES The oversized 2-car garage includes a utility sink for projects and hobbies. Every detail has been considered for comfortable, convenient living. KINGS POINT LIFESTYLE Your $754 monthly HOA fee is one of the best values in Sun City Center, covering an impressive array of services and amenities including Spectrum cable and internet, lawn maintenance and landscaping, exterior pest control, community pool and spa, state-of-the-art fitness center, tennis and pickleball courts, clubhouse with planned social activities, golf course access with membership options available, 24-hour manned security gate, woodworking and craft studios, billiards and card rooms, and catering kitchen for events. You'll literally only pay your electric bill - everything else is covered! PET-FRIENDLY This section of Kings Point welcomes up to two pets, so bring your furry companions along to enjoy the Florida sunshine. LOCATION, LOCATION Sun City Center offers the perfect combination of peaceful retirement living with easy access to Tampa Bay beaches, shopping, dining, world-class healthcare, and Tampa International Airport. This turnkey villa represents exceptional value in one of Florida's most desirable 55+ communities. Don't miss this opportunity to own a meticulously maintained home where every day feels like vacation.
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.
