Welcome to this beautifully maintained four bedroom end-unit townhome, featuring a spacious bonus room, two full bathrooms, two half bathrooms and a one-car garage, located in the highly sought-after gated community of Bayshore Pointe in South Tampa. This peaceful, beautifully landscaped community offers exceptional amenities, including a resort-style pool, tennis and basketball courts, sidewalks, a clubhouse, and a private community observation dock just across Bayshore Boulevard — the perfect spot to relax and take in stunning views of Tampa Bay. The HOA even maintains the roof for you. Residents here enjoy a tranquil, friendly atmosphere where neighbors truly look out for one another. As you enter the home, you can step in through the front door or from the garage, which includes a Tesla charger, into a beautifully tiled foyer. Straight ahead, you’ll find a spacious bedroom room with tile flooring, large closet and a half bath — ideal for use as the fourth bedroom, home office, fitness room, playroom, or man cave. This level also features a lovely tiled screened-in patio, perfect for relaxing and enjoying the outdoors. The second and third floors of this townhome showcase beautiful luxury vinyl plank flooring throughout. Head up to the second floor to discover a bright, open main living area featuring elegant French doors that lead to a private balcony — the perfect spot to enjoy your morning coffee or unwind with a glass of wine or a cold beer after a long day. Toward the back of this level, you’ll find a spacious, beautifully designed kitchen with a charming eat-in dining area and a butcher block center island complete with a deep sink. The kitchen also offers abundant Corian countertops, stunning cabinetry, a large pantry, and stainless steel appliances — an ideal space for cooking and entertaining. Additional highlights include a new A/C installed in 2023, and a full alarm system and fire suppression sprinklers for added peace of mind. On the third floor, the primary suite offers a large walk-in closet with ample shelving and a private ensuite bath featuring a spacious vanity with generous storage, dual sinks, and a tub-shower combo. Two additional roomy bedrooms, each with large closets and ceiling fans with lights, share another full bathroom with a tub-shower combo. The front-loading washer and dryer, conveniently located in the hall closet on this level, are included with the home. This property is truly move-in ready and has been lovingly maintained by its homeowner. Relax and enjoy all that South Tampa has to offer, with Ballast Point Park, Gadsden Park, MacDill AFB, and Picnic Island Park just minutes away — perfect spots for walking, biking, or spending time outdoors with your dog. Bayshore Boulevard offers stunning waterfront views and miles of scenic paths, while nearby you’ll find fantastic restaurants, shopping, and entertainment options, along with easy access to downtown Tampa, the airport, and major highways. Tampa is known for its vibrant lifestyle — from cheering on the Buccaneers and Lightning to enjoying performances at the Straz Center, the historic Tampa Theatre, and the many festivals, concerts, and Gasparilla events held throughout the year. This beautiful townhome is priced to sell at only $454,900 — schedule your private showing today and experience the perfect combination of comfort, convenience, and community living at Bayshore Pointe!
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.
