Welcome to a home designed around the way Florida living was meant to be enjoyed. From the moment you step through the front door, your eyes are immediately drawn through a dramatic wall of glass to the sparkling screened pool beyond, creating a breathtaking first impression that sets the tone for everything this exceptional custom-built residence has for you. Perfectly situated on an expansive .52-acre homesite in the sought-after Pleasant Hill Lakes community, this is the rare property that combines privacy, character, and space in a way that newer cookie-cutter neighborhoods simply cannot. Lovingly maintained by its original owners and recently refreshed with numerous updates, this 3-bedroom, 3.5-bathroom home showcases timeless architecture centered around seamless indoor-outdoor living. Natural light fills the home through oversized sliding glass doors, while soaring ceilings create an open and airy atmosphere throughout the main living spaces. At the heart of the home, the updated kitchen features beautiful new cabinetry and flows effortlessly into the breakfast nook and spacious family room, creating the perfect gathering space for everyday living and entertaining. A charming fireplace anchors the living area, adding warmth and character to the home's inviting ambiance. Formal dining and a dedicated office provide flexibility for hosting guests, working remotely, or enjoying additional living space. The primary suite serves as a private retreat, offering an oversized bedroom with vaulted ceilings, direct pool access through sliding glass doors, a large walk-in closet, and a beautifully renovated spa-inspired bathroom complete with dual vanities, a dedicated makeup station, a soaking jacuzzi tub, and a separate walk-in shower. Step outside and discover the lifestyle that truly sets this home apart. The oversized screened pool enclosure creates a private backyard oasis, complete with a dedicated pool bath and a newly refinished pool deck. Whether hosting weekend gatherings, enjoying your morning coffee, or unwinding under the Florida sunshine, this outdoor living space was designed to be enjoyed year-round. Recent improvements provide peace of mind and modern appeal, including a new HVAC system (2026), second HVAC system (2023), newer roof (2023), new kitchen cabinetry, renovated primary bathroom, fresh interior and exterior paint, new flooring in the primary bedroom, updated landscaping, and a refinished pool deck. The washer, dryer, and refrigerator are all included, making this home truly move-in ready. Additional highlights include an oversized 8+ car driveway, spacious 3-car garage, mature landscaping, and ample room for boats, recreational vehicles, or additional parking. Located within the established Pleasant Hill Lakes community, residents enjoy larger estate-style homesites, mature oak trees, custom architecture, wide streets, and a remarkably low HOA. Conveniently located near Disney, Lake Nona, Orlando International Airport, Downtown Kissimmee, The Loop, major highways, shopping, dining, and entertainment, this location offers an ideal balance of privacy and convenience. Homes offering this combination of land, architecture, updates, pool-focused design, and location rarely become available. This is more than a home. It is an opportunity to enjoy the space, character, and Florida lifestyle today's buyers are searching for but seldom find.
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.
