Virtually Staged. Welcome to an exceptional opportunity to own a *Fully Renovated* Move in Ready* luxury POOL residence in the highly sought-after Chelsea Ridge community of Apopka, where homes rarely become available. Thoughtfully and newly redesigned with premium upgrades throughout, this stunning 4-bedroom home seamlessly blends modern elegance, comfort, and functionality.Upon entering the grand foyer, you'll immediately be captivated by the soaring *Vaulted Ceilings* and abundant *Natural Light* that fill the home. To the right, a formal dining room with pocket doors provides the perfect setting for entertaining, while a versatile formal living room or flex space sits to the left. Beyond the foyer, the spacious great room showcases a striking stone-faced *Wood-Burning Fireplace* and a dramatic wall of windows including a *Three Panel Slider* that beautifully connect the indoor living spaces to the outdoor oasis.The expansive *Open-Concept & Split Floor Plan* effortlessly flows between the great room, gourmet kitchen, and lanai, creating an ideal environment for both everyday living and large gatherings. The chef-inspired kitchen is a masterpiece, featuring polished *Quartz Countertops*, *Stainless Steel Appliances*, a grand center *Island* with *Vegetable Sink* and custom storage system, *Wine Refrigerator*, *Farmhouse sink*, designer backsplash, and 42-inch custom *Soft-Close Cabinetry with crown molding*. Thoughtful storage solutions include deep drawer peg systems, pull-out spice racks, and concealed waste bins for maximum organization and convenience.Designed with privacy in mind, the split-bedroom floor plan places the luxurious primary suite on its own wing of the home. This private retreat offers generous space and a spa-inspired en-suite bath featuring *Dual Floating Vanities*, a freestanding *Soaking Tub*, an expanded multi-head walk-in shower, private water closet with *Smart Toilet* , two *Walk-In Closets*, and direct lanai access. Elevating the home's luxury even further, every bathroom is equipped with premium smart toilets with remotes, delivering exceptional comfort and modern convenience.Significant recent upgrades include (2025) energy-efficient Wincore 7000 impact-resistant windows and slider door, a (2026) Tesla Supercharger for electric vehicle charging, a beautifully newly pavered and resurfaced swimming pool and a whole home generator switch ensuring both peace of mind and long-term value.Step outside to your private backyard retreat, where a *Covered Lanai* overlooks the *Screened paver pool Deck* and sparkling resurfaced pool. The outdoor living experience is enhanced by a (2024) custom summer kitchen, making this the perfect setting for entertaining family and friends year-round. A (2024) vinyl *Privacy Fence* surrounds the property, creating a serene and secluded outdoor environment.Located alongside Sweetwater Country Club and golf course, Easy access to SR 436 and US-441 and located close to schools, dining, churches, shopping, Wekiva Springs State Park and abundant outdoor recreation. This remarkable Chelsea Ridge residence offers a lifestyle that is truly second to none. Schedule your private showing today and experience luxury living at its finest.
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.
