VA loan
1 of 50
VA loan
$345,000
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Sign in to see required down payment for the 3.5% rate

3550 Fairwaters Ct # D, Clermont, FL 34711

2 beds · 2 baths · 1,503 sqft

Welcome to this charming and beautifully maintained 2-bedroom, 2-bath villa with a versatile bonus room—perfect as an office, den, or even a third bedroom. Ideally located at the end of a quiet cul-de-sac in the desirable 55+ community of Heritage Hills, this home offers privacy, comfort, and convenience in one thoughtfully designed package. Step inside through the side entry or directly from your attached one-car garage and be greeted by an abundance of natural light and a spacious open-concept floor plan. The living room, dining area, and kitchen flow seamlessly together, making it easy to entertain or simply enjoy everyday living. The kitchen is a delight, offering ample wood cabinetry, expansive granite countertops, and stainless steel appliances—perfect for preparing meals and hosting guests. Wood like tile flooring runs throughout the main living areas and luxury vinyl plank flooring in the primary suite, providing both style and durability. Your generously sized primary suite is a peaceful retreat featuring a large walk-in closet, a well-appointed en-suite bathroom with dual granite vanities, and a spacious walk-in shower. From the bedroom, step out to your fully screened lanai—a serene space to relax, enjoy the fresh air, and take in the beautifully landscaped garden, complete with your very own papaya tree. The guest bedroom is privately located at the end of the hall, offering comfort for visitors or potential use as a hobby space. Nearby, the guest bathroom features granite countertops and a shower/tub combo. The bonus room across the hall provides flexibility to suit your lifestyle—whether you need a home office, craft room, or additional sleeping space. A tucked-away laundry area includes shelving for added storage and convenience. This home also features great curb appeal and practical perks like a one-car garage for secure parking and storage, plus the added bonus of having your mailbox right at the end of the driveway. Residents of Heritage Hills enjoy access to an incredible array of resort-style amenities, all centered around a stunning 19,000-square-foot Mediterranean-inspired clubhouse. Outdoor offerings include a large heated pool with spa, tennis, pickleball, basketball, shuffleboard, bocce ball, walking and biking trails, picnic areas, a gazebo, and a dog park. Inside the clubhouse, you’ll find a fitness center, aerobics/dance studio, billiards room, golf simulator, library, art studio, card and poker rooms, and a 500-seat ballroom for community events and private gatherings. Located just about 23 minutes from downtown Clermont and about 35 minutes from Disney World, this villa offers the perfect balance of peaceful living and easy access to Central Florida’s best attractions. Whether you’re looking to relax, stay active, or enjoy vibrant community living, this home has it all. Schedule your private tour today and discover the lifestyle waiting for you at Heritage Hills! Some photos may have been digitally enhanced for marketing purposes.

Estimated
Seller's interest rate
3.5%
7%
Estimated
Monthly payment

$1,926
$2,256
You may also save up to $97,509 in total interest paid.

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,256 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
VA
Rate
3.5%
Remaining term
24 yrs and 7 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$1,926
Principal & interest
$814
Mortgage insurance
-
Property taxes
$350
Home insurance
$313
HOA fees
$447
Utilities
Not included

Source: Public records

Home details
Size
1,503 sqft
Lot size
0.09 acres
Year built
2017
Type
Townhouse
HOA dues
$447.57

Source: STELLAR #G5097426

Frequently asked questions

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 620, 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.

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.

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.

View all FAQs
Last updated: Jun 12, 2025 07:30 am
Listing agent: Heather Walker (352) 449-5706
Listing provided courtesy of: OPTIMA ONE REALTY, INC. (352) 243-6784
Details provided by STELLAR and may not match the public record.
MLS ID: #G5097426
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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Est. seller's rate
3.5%
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