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35819 Diamond Head Ct, Zephyrhills, FL 33541
4 beds · 2 baths · 2,322 sqft
A Peaceful Retreat with Modern Comforts! Tucked away near the end of a quiet cul-de-sac in a small, quaint neighborhood of fewer than 100 homes, this meticulously maintained 4-bedroom, 2-bathroom home PLUS spacious 20x11 bonus room offers a rare combination of privacy, upgrades, and charm—with **low HOA fees and no CDD fees. Backing up to a serene pond and shaded by a majestic oak tree, this home provides a tranquil backdrop for everyday living. Step inside and feel immediately at home. The open-concept floor plan features beautiful ceramic tile throughout the main living areas, creating a seamless flow from the spacious family room to the dining area and into the chef’s kitchen. You'll love the stunning 42-inch wood cabinetry, gleaming quartz countertops, breakfast bar, and cozy dinette—perfect for casual mornings or lively gatherings. All kitchen appliances are included, making this a truly move-in-ready space. The oversized primary suite is a peaceful sanctuary, featuring a large walk-in closet, garden tub, separate tiled shower, and dual vanities. Wake up to natural light streaming through the large window overlooking the private patio, where you’ll find a shaded pergola—an ideal spot for outdoor dining, relaxing, or simply stargazing under solar-powered twinkle lights. Need extra space? The upstairs bonus room above the garage is a blank canvas—perfect for a media room, home gym, playroom, or guest retreat. There's also a dedicated office for remote work or creative pursuits. Additional highlights include an interior laundry room with washer and dryer, a water softener system, and an oversized 2-car garage with plenty of storage. This home is more than just a place to live—it’s a lifestyle. With peaceful surroundings, stylish upgrades, flexible living spaces, and a warm, welcoming neighborhood, this home checks every box for comfort, community, and charm. This home features dual-zone A/C with separate units—one for the upstairs bonus room (2012) and another for the main living areas downstairs (2023). It’s a great advantage, allowing you to adjust each thermostat to your personal comfort based on where you spend the most time. Water heater (2023).
Source: STELLAR #TB8382886
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8382886
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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