Welcome to a beautifully maintained PRIVATE POOL HOME tucked away in a quiet, desirable pocket of Wesley Chapel in the community of Aberdeen. Offering the perfect combination of privacy, convenience, and affordability, this home sits on a peaceful CONSERVATION LOT with a HUGE FULLY FENCED BACKYARD and no rear neighbors. Directly across the street you’ll find a STUNNING POND VIEW and a QUIET PLAYGROUND, offering a charming setting where kids can easily play just steps from your front door while still in sight. Located on a QUIET STREET with NO THROUGH TRAFFIC, it’s an ideal location for bike riding, evening walks, and outdoor play. One of the biggest highlights is the incredible AFFORDABILITY this community offers with NO CDD FEE and LOW HOA FEES, making this home an exceptional value and RARE FIND! This home has been EXTENSIVELY UPDATED AND METICULOUSLY MAINTAINED, featuring NEW LUXURY VINYL PLANK FLOORING THROUGHOUT THE MAIN FLOOR (2025 – $15,000), BRAND NEW STAINLESS STEEL KITCHEN APPLIANCES (2025-2026), NEW POOL PUMP (2025), BRAND NEW LANAI SCREENS (2026 – $4,000), NEW EXTERIOR PAINT, and NEWER INTERIOR PAINT, providing peace of mind and move-in ready convenience. This spacious two-story home offers 3 bedrooms PLUS A BONUS/LOFT, 2.5 bathrooms, and a 2- CAR garage, providing flexible living space for today’s modern lifestyle. The open floor plan downstairs offers great flow between the living, dining, and kitchen areas, along with an ADDITIONAL FLEX ROOM that can easily serve as a HOME OFFICE, PLAYROOM, OR HOMESCHOOL SPACE. Upstairs, the BONUS LOFT provides even more versatility and can easily be converted into a 4TH BEDROOM, second living room, or media space. The PRIMARY SUITE is a true retreat featuring DUAL WALK-IN CLOSETS, a SOAKING TUB, separate shower, and abundant natural light that creates a relaxing and private space. Step outside to your PRIVATE POOL and EXPANSIVE COVERED LANAI, LARGE BACKYARD, perfect for year-round Florida living. With plenty of covered space for OUTDOOR SEATING AND ENTERTAINING, this backyard oasis overlooks peaceful CONSERVATION VIEWS AND IS FULLY FENCED FOR PRIVACY. The LOCATION IS PHENOMENAL, situated just minutes from I-75 and right off State Road 54, making COMMUTING INCREDIBLY CONVENIENT. Close to some of Wesley Chapel’s most popular places including Wiregrass Mall, Tampa Premium Outlets, The Grove, KRATE, Publix, AdventHealth Hospital, BayCare Hospital, and countless dining, shopping, and entertainment options. The area continues to grow rapidly with new restaurants, retail, and everyday conveniences being added regularly. With a PRIVATE POOL, CONSERVATION VIEWS, LOW FEES, MAJOR UPGRADES, AND AN INCREDIBLE LOCATION, this home truly checks all the boxes. Well maintained, thoughtfully updated, and perfectly positioned in one of Wesley Chapel’s most convenient areas, it offers the ideal balance of comfort, lifestyle, and long-term value.
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.
