NEW ROOF (2025) • NEW WINDOWS (2026) • NEW WATER HEATER (2025) • WATER SOFTENER (2025) • TRANE A/C (2021) • FULLY UPDATED INTERIOR • QUARTZ KITCHEN • NEW INTERIOR/EXTERIOR PAINT •OUTDOOR KITCHEN • 3-CAR GARAGE WITH NEW EPOXY FLOORS (2026) • WATER VIEWS • CUL-DE-SAC • OVER 1/4-ACRE LOT • FENCED YARD • HARBOUR ISLES AMENITIES • BOAT/RV PARKING Welcome to 326 Star Shell Drive, a beautifully updated waterfront-inspired home offering luxury upgrades, modern finishes, and the ultimate Florida lifestyle. From the moment you arrive, you'll be impressed by the grand double glass front doors that open into a spacious, open-concept floor plan featuring soaring ceilings, elegant crown molding, decorative archways, and abundant natural light throughout. The home showcases brand-new Luxury Vinyl Plank flooring, creating a seamless, low-maintenance design. The fully remodeled kitchen is a showstopper with stunning blue cabinetry, white quartz countertops, stainless steel appliances, a wine refrigerator, a walk-in pantry, and a sunny breakfast nook perfect for everyday living and entertaining. Offering exceptional flexibility, this home features a formal dining room and a bonus flex space ideal for a home office, media room, playroom, or additional living area. The desirable split-bedroom floor plan provides privacy for everyone, with bathrooms conveniently located on each wing of the home. Wake up to tranquil water views from the spacious primary suite featuring dual walk-in closets, a spa-inspired bathroom with a glass-enclosed walk-in shower, relaxing garden soaking tub, and a private water closet. Designed for indoor-outdoor living, triple sliding glass doors lead to a large screened lanai complete with an outdoor kitchen featuring a vented grill, sink, and wine refrigerator. Step onto the new paver patio and enjoy endless opportunities for entertaining, grilling, and relaxing in your private backyard oasis. The oversized, fully fenced yard is beautifully landscaped with lush tropical greenery and mature palm trees, all situated on a rare cul-de-sac lot spanning just over a quarter acre. The spacious three-car garage features brand-new epoxy flooring (2026), providing both functionality and style. Additional peace-of-mind upgrades include: • New Roof (2025) • New Windows (2026) • New Water Heater (2025) • New Water Softener System (2025) • Trane A/C (2021) • New Luxury Vinyl Plank Flooring Throughout Residents of Harbour Isles enjoy resort-style amenities including a community pool and spa, fitness center, basketball courts, volleyball courts, playground, walking trails, fishing pier, and designated boat and RV parking. Conveniently located just off US-41, you'll be minutes from the brand-new Walmart Supercenter, Little Harbor Beach and Marina, waterfront dining, the Apollo Beach Preserve, shopping, restaurants, and easy access to Tampa, St. Petersburg, and Sarasota. This move-in-ready, fully updated home perfectly blends modern luxury, outdoor living, water views, and resort-style community amenities. Schedule your private showing today and experience Florida living at its finest!
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.
