One or more photo(s) has been virtually staged. Welcome to 3179 Forest Breeze Way, a beautifully maintained four bedroom, two bath custom Kent home located in the gated community of Lake Ajay Village in St. Cloud. Set on a stunning half acre homesite with an impressive 180-foot width, this property offers exceptional privacy with no rear neighbors and a peaceful natural five acre green space directly behind the home. This is Florida living at its finest, combining craftsmanship, comfort, and thoughtful upgrades in one of the area’s most desirable communities. Built in 2003, the home features quality block construction, rounded drywall corners, high ceilings and an inviting open floor plan. As you enter, laminate flooring extends from the foyer through the main living areas and guides you toward the bright family room where eight foot French doors frame views of the backyard. A gas fireplace with a stone surround adds warmth and charm, while the Slinger 72 inch ceiling fan and additional modern LED fixtures enhance the home’s style and comfort. The spacious kitchen sits at the center of the home and includes natural wood custom cabinetry with 42 inch uppers, slider drawers in the base cabinets, stainless steel appliances, a peninsula island, a walk in pantry, a kitchen nook and a reverse osmosis system. Appliance updates include a Samsung smart slide in electric range, an over the range microwave, and a wine refrigerator. A recently installed backsplash completes the space. The inside laundry room is conveniently located off the kitchen and offers abundant cabinetry. The split floor plan places the primary suite on its own side of the home. The bedroom feels open and airy with a tray ceiling and large windows. The en suite bath features dual sinks, a garden tub, a stand up shower and an oversized walk in closet. Three additional bedrooms on the opposite side of the home each include luxury vinyl flooring and share a beautifully maintained secondary bath. This home offers outstanding mechanical and structural upgrades including a NEW ROOF (2021), a Trane 15 SEER air conditioner (2020), a Reme Halo LED whole home air purification system, a Rheem hybrid water heater from 2023, a whole house water softener, and an automatic RainBird irrigation system with app connectivity. Energy efficiency is a highlight thanks to forty two solar panels paired with three backup batteries installed in 2022. The three car garage is oversized at 22 by 33 feet and features five metal storage racks, a utility sink, attic pull down stairs and room for even a full sized F150. A Charpoint Home Flex EV charger is also included. Outdoor living is easy with a spacious covered front porch, a screened back patio and luxury landscaping completed in 2024. Residents of Lake Ajay Village enjoy gated access, tennis and basketball courts, community events and a unique benefit that allows boats to be parked in the driveway. The community connects to Lake Toho through its private waterway, offering a true Florida lifestyle. Sandhill cranes frequently visit the neighborhood, adding to the tranquil natural setting. Located minutes from Lake Nona’s Medical City, major highways and everything St. Cloud has to offer, this exceptional home blends energy efficiency, craftsmanship and comfort in a peaceful and beautifully maintained community. Schedule your private showing today! Solar panels are financed and must be assumed with purchase.
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.
