Welcome to 326 Star Shell Dr. This home has been recently fully updated and you don’t want to miss these upgrades! Upon entering you are greeted by double glass front doors that lead into a spacious open floorplan with high ceilings, crown molding, and beautiful archways adding lovely character. This home has a light and bright feel throughout plus new Luxury Vinyl Plank flooring for a seamless look and easy maintenance. In the modern updated kitchen you will enjoy beautiful blue cabinets with white quartz countertops, stainless appliances, a wine fridge, a walk-in pantry, and a space for breakfast. Formal dining plus a bonus flex room to make your office, added living space, or any use that fits you best. The split bedroom floorplan gives all sides of the home ultimate privacy with a bathroom for each wing. In your primary bedroom the water views from your bed bring a calming and serene feel. There are dual walk-in closets, a standup glass framed shower, a garden soaker tub, and a private water closet. Out the triple sliding doors you will find a large screened lanai that hosts an outdoor kitchen with vented grill, sink, and wine fridge or step outside to the new paver patio for the entertaining space we dream of in Florida. In the 3 car garage there are new Epoxy floors 2026. This home is located on a cul-de-sac with just over a quarter acre lot which is a rare find. You will love the lush tropical landscaping, gorgeous Palm trees, and a fenced in yard for your furry friends. So many things new this home comes with added peace of mind for years to come. New Windows 2026, Roof 2025, water softener system 2025, water heater 2025, Trane AC 2021. Harbour Isles Amenities include a pool, spa, fitness center, basketball, volleyball, playground, walking trails, a fishing pier, plus has space for Boat/RV parking. This community also has an ideal location just off of US 41, close to the brand new Wal-mart Supercenter, and only a short drive to Ruskin’s Little Harbor beach & dining at the Sunset Grill or the Apollo Beach Preserve, Circles Waterfront Dining, Finn’s Dockside Bar & Grill and much more. This is the Florida lifestyle at it’s finest! Call today for your private tour!
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.
