1 of 34
$399,900
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312 Irving Bend Dr, Groveland, FL 34736

4 beds · 2 baths · 1,949 sqft

Welcome to this beautifully upgraded 4-bedroom, 2-bathroom home in the sought-after Preserve at Sunrise community in Groveland, Florida. Set on a well-manicured lot with lush landscaping and a charming brick paver driveway and fully fenced in yard, this home offers exceptional curb appeal and modern living in a tranquil neighborhood. Step inside to discover a thoughtfully designed open floorplan with stylish wood-tone flooring, warm wood accents, and upgraded lighting that beautifully complements the modern kitchen featuring crisp white cabinetry, stone countertops, stainless steel appliances, a spacious walk-in pantry, and a large island perfect for casual dining or entertaining. The main suite offers privacy, complete with a luxurious ensuite bathroom offering dual sinks, a walk-in shower, separate toilet room, and a generously sized walk-in closet with built-in shelving. A true split plan, the three additional bedrooms are located on the opposite side of the home along with a second full bathroom featuring dual sinks and a tub/shower combo. Enjoy Florida living year-round in the large screened-in patio overlooking the fully fenced backyard—ideal for relaxing or entertaining. Additional highlights include a two-car garage with built-in storage, a whole-house water softener, and separate laundry room. Community amenities include a pool, playgrounds, picnic areas with grills, a scenic community dock, and expansive green spaces. Conveniently located just minutes from schools, shopping, dining, and with easy access to Hwy 50 and Florida’s Turnpike for a smooth commute to Clermont and beyond. Don’t miss this move-in ready gem in one of Groveland’s most desirable communities!

Estimated
Seller's interest rate
3%
7%
Estimated
Monthly payment

$2,195
$2,767
You may also save up to $173,400 in total interest paid.

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,767 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
FHA
Rate
3%
Remaining term
25 yrs and 3 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,195
Principal & interest
$1,156
Mortgage insurance
$194
Property taxes
$406
Home insurance
$363
HOA fees
$75
Utilities
Not included

Source: Public records

Home details
Size
1,949 sqft
Lot size
0.15 acres
Year built
2020
Type
Single Family Residence
HOA dues
$75.00

Source: STELLAR #O6316069

Frequently asked questions

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.

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.

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.

View all FAQs
Last updated: Jun 16, 2025 07:09 am
Listing agent: Megan Jones (352) 536-7532
Listing provided courtesy of: OLYMPUS EXECUTIVE REALTY INC (407) 469-0090
Details provided by STELLAR and may not match the public record.
MLS ID: #O6316069
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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Est. seller's rate
3%
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