**Come claim your slice of paradise in Harbour Isles—where Florida living truly shines.** Welcome to one of the area's most desirable waterfront communities, offering oversized homesites, peaceful water views, exceptional amenities, and an unbeatable location. If you've been searching for the perfect combination of space, privacy, and lifestyle, you've found it. This beautifully and meticulously maintained, move-in ready home offers 4 bedrooms, 3 bathrooms, and sits on an oversized waterfront homesite overlooking a tranquil pond with a wooded backdrop, providing serene views and exceptional privacy with no rear neighbors. Recent updates include a new roof (2022), HVAC system (2023), washer and dryer (2023), new refrigerator (2026), brand-new carpet in the guest bedrooms, and a freshly painted interior, allowing you to move in with confidence. The expansive, fully fenced backyard offers ample room for a future pool while still leaving generous green space. Prefer less maintenance? The community's resort-style pool is just moments away. The outdoor living area is already designed for year-round enjoyment with a fire pit, covered grilling area with a retractable awning, and a spacious screened lanai overlooking the water—perfect for morning coffee or relaxing evenings. Beautiful landscaping creates inviting curb appeal, while the smart Rachio irrigation system helps maximize water efficiency. The oversized three-car garage offers plenty of room for vehicles, recreational toys, and abundant overhead storage. From the moment you walk inside, a wall of 8-foot sliding glass doors showcases the peaceful water view, while high ceilings and an open-concept layout seamlessly connect the living, dining, family, and kitchen spaces, creating an ideal setting for both everyday living and entertaining. The kitchen features granite countertops, 42-inch solid wood cabinetry, a coffee bar with a built-in wine refrigerator, and stainless steel appliances, including an induction range with a built-in air fryer. The spacious primary suite continues the luxury vinyl plank flooring found throughout the main living areas while offering tranquil water views and two walk-in closets. The ensuite bath includes dual granite vanities, an oversized glass-enclosed shower, and a tiled alcove that could accommodate a future soaking tub. A split-bedroom floor plan provides privacy, with two guest bedrooms sharing a bath while the fourth bedroom enjoys its own private bath—ideal for guests or an in-law suite. Harbour Isles offers a clubhouse, resort-style pool, fitness center, walking trails, gazebo, playground, basketball court, sand volleyball court, plus dedicated boat and RV storage. Multiple Marinas and public boat launches are nearby. Ideally located with easy access to Tampa, St. Petersburg, Ybor City, Sarasota, Anna Maria Island's award-winning beaches, major shopping, dining, entertainment, and three international airports, this home delivers the very best of Florida living. **More than just a home—it's the lifestyle you've been waiting for.**
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.
