NEW ROOF | 5 Bedrooms | 3 Bathrooms | 3-Car Garage | 2,916 Sq Ft | Pool Home | Welcome to this stunning 5-bedroom, 3-bathroom HEATED pool home located in the highly desirable Harbour Isles community. Offering 2,916 square feet of thoughtfully designed living space, this beautifully maintained residence combines spacious living, elegant finishes, and a prime location for the ultimate Florida lifestyle. A grand French door entry welcomes you into the open split-bedroom floor plan featuring CROWN MOLDING throughout, arched entryways, PLANTATION SHUTTERS, recessed lighting, ceiling fans, and tile flooring throughout the main living areas. Two versatile front rooms provide endless possibilities and can be used as formal living and dining rooms, a home office, library, music room, or flexible living space to suit your needs. The gourmet kitchen is designed for both entertaining and everyday living, showcasing GRANITE COUNTERTOPS, a breakfast bar, tile backsplash, 42-inch staggered upper cabinets with crown molding, STAINLESS STEEL APPLIANCES including a NEW REFRIGERATOR (2024) , built-in WINE REFRIGERATOR , REVERSE OSMOSIS water filtration system, and a spacious walk-in corner pantry. The expansive primary suite serves as a private retreat featuring dual walk-in closets and a luxurious en-suite bathroom complete with dual vanities, framed mirrors, an oversized glass-enclosed shower, and a relaxing garden tub. All secondary bedrooms are generously sized, providing comfort and privacy for family and guests. Two guest bedrooms share a convenient full bathroom that also serves as a pool bath with direct patio access. One of these bedrooms features both French doors and sliding glass doors opening to the lanai, creating a perfect guest suite or flexible living space. Step outside to your private backyard oasis where a covered lanai overlooks the swimming pool surrounded by beautiful PAVER DECKING and tranquil views beyond. Whether enjoying morning coffee, hosting gatherings, or relaxing poolside, this outdoor space is designed to maximize Florida's year-round sunshine. Additional upgrades include a NEW ROOF(2025) and MINI-SPLIT air conditioning system in the 3-car garage for enhanced comfort and efficiency. Residents of Harbour Isles enjoy LOW HOA fees and access to community-owned recreation facilities including a clubhouse, resort-style community pool, fitness center, basketball courts, playgrounds, and scenic walking trails surrounding the community lake. Conveniently located just off US Highway 41 with easy access to I-75, this home offers a quick commute to Tampa, Sarasota, St. Petersburg, and MacDill Air Force Base. Nearby you'll find shopping, dining, medical facilities, three international airports, major league sporting events, concert venues, Hard Rock Casino, world-class theme parks, and Florida's award-winning white sand Gulf Coast beaches. This exceptional Harbour Isles pool home offers the perfect combination of luxury, space, and location. Schedule your private showing today.
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.
