Corner-Lot Pool Home in Clubhouse Estates of Countryside ... Welcome to this beautifully updated 3-bedroom, 2-bath, 1,796 sq. ft. single-family home located in the highly sought-after Clubhouse Estates of Countryside, a premier golf course community just steps from the Pinellas Trail and minutes from Florida’s top-rated beaches. Situated on a huge corner lot in a quiet cul-de-sac, this home sits within a desirable school district and offers exceptional convenience to the charming towns of Dunedin and Safety Harbor, known for their boutique shops, restaurants, and vibrant waterfront scenes. Step inside to soaring vaulted ceilings, beautiful engineered hardwood floors, and a spacious split-bedroom floor plan designed for comfortable modern living. The heart of the home is a nicely updated kitchen featuring shaker-style wood cabinetry, granite countertops, upgraded fixtures, stainless steel appliances, a propane gas stove, coffee bar, and closet pantry—perfect for the home chef. Entertain with ease in the expansive 26' x 17' family/living room complete with a stone decorative fireplace, custom built-in shelving, ample closet space, and sliding doors that lead directly to the pool area. Throughout the home, you’ll find 5¼" baseboards, ceiling fans, tasteful paint schemes, and decorator touches that elevate every room. The guest bathroom has been beautifully updated with modern tile floors, lighting, mirror, shelving, quartz countertop, pedestal sink, upgraded fixtures, and stylish tile backsplash. Bedrooms 2 and 3 feature laminate flooring, ceiling fans, and generous closets, with Bedroom 3 showcasing a charming wallpaper accent wall. The spacious primary suite offers engineered hardwood floors, decorative paint, ceiling fan, and a modern barn door leading to a large closet. The upgraded primary bathroom features granite counters, quality fixtures, updated lighting and mirror, walk-in shower, linen closet, and private rear access to the pool. Your private backyard oasis includes a screened-in pool and spa, plus a 34' x 12' covered lanai—ideal for outdoor cooking, entertaining, or simply relaxing with friends and family. A vinyl privacy fence surrounds the yard, and lush landscaping enhances the appeal of the entire property. The 2-car garage offers plenty of additional storage and convenience. Minutes from America’s top beaches, close to Downtown Clearwater shops, restaurants, and nightlife and the Pinellas Trail for biking, jogging, and outdoor adventures.
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.
