Discover an exceptional blend of tranquility and modern convenience in one of Land O’ Lakes’ most sought-after locations. Welcome to this beautifully updated, truly move-in-ready three-bedroom, two-bath residence. Thoughtfully remodeled from top to bottom, this home showcases premium, scratch-resistant LVP flooring, fresh interior paint, new doors, upgraded baseboards, and contemporary sliding glass doors with roller shades. Sunlight pours through the oversized front window, illuminating the fully renovated, chef-inspired kitchen—complete with newer appliances, including the stove, microwave, dishwasher, garbage disposal, washer, and dryer. The primary bathroom has been transformed into a serene, spa-like retreat, offering a luxurious space to unwind. Major system upgrades further enhance peace of mind, featuring a nearly new HVAC system (1 year old) and a roof that is only 4 years old. Step outside and experience the best of Florida living. The fully fenced backyard includes a charming wooden deck off the porch, a stone walkway leading to a cozy fire pit area, and a double 11-foot gate opening to a gravel pad—ideal for storing an extra vehicle or boat. A complete sprinkler system adds both convenience and functionality. Situated on a desirable corner lot with only one neighboring home and a tranquil conservation area behind, this property offers rare privacy and uninterrupted nature views. The welcoming community features a pool, playground, and clubhouse—all with a low HOA. This prime location places you near top-rated schools, including three private institutions, and just a short drive from the University of South Florida—making it a perfect fit for both families and students. Everyday necessities are within effortless reach, with Publix and Sprouts Farmers Market less than a mile away. For shopping, dining, and entertainment, the Tampa Premium Outlets and Wiregrass Mall are just minutes from your doorstep. An array of restaurants and entertainment venues ensures there’s always something to enjoy, whether you’re seeking a relaxed evening out or fun for the whole family. With quick access to I-275, I-75, the Veterans Expressway, I-4, Tampa International Airport, and downtown Tampa, this location truly delivers unparalleled convenience. Ideal for anyone seeking comfort, style, and a vibrant indoor–outdoor lifestyle, this turnkey home is not to be missed. Live the lifestyle you deserve—peaceful, convenient, and perfectly connected. Schedule your private tour today!
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.
