DISCOVER YOUR ENERGY EFFICENT DREAM HOME IN A QUIET LOCATION IN THE HEART OF TAMPA BAY'S PREMIER MASTER-PLANNED COMMUNITY: STARKEY RANCH! Ease of living awaits in this beautifully maintained home, ideally situated across from a private wooded view in the heart of Starkey Ranch, Tampa Bay's premier master-planned community. Built in 2019 by M/I Homes, this Avalon floor plan seamlessly blends comfort, style, and modern convenience. Fully paid SOLAR PANELS included adding to the homes extreme energy efficiency! With 1,765 square feet of thoughtfully designed living space, this 3 br, 2 ba home with a 2 car garage offers a perfect retreat for professionals, couples, and families alike. Step onto the inviting front porch overlooking the tranquil conservation, ideal for relaxing with a morning coffee or displaying seasonal decor. Inside the etched glass inlay front door, a warm and welcoming ambiance greets you with elegant ceramic tile creating a consistent flow through the main living areas. Designed for modern lifestyles, the open-concept floor plan creates an inviting atmosphere perfect for both casual living and entertaining. Every window in the home has a remote control custom blinds that work on a timer as well further adding to the homes energy efficiency. A versatile flex room offers endless possibilities as a home office, playroom, or reading nook. Adjacent, two well-sized bedrooms share a convenient bathroom. The heart of the home is the upgraded chef’s kitchen, complete with stunning quartz countertops, 42' shaker cabinets in Toffee adorned with crown molding accented by brushed nickel hardware, and a complimentary tile backsplash. Stainless steel appliances, including a five-burner gas range, dishwasher, and refrigerator, making meal preparation effortless. A closet pantry provides storage. A spacious island with a deep sink & gooseneck faucet provides ample seating for casual dining illuminated by stylish pendant lighting. Adjoining dining area offers a welcoming space for hosting gatherings, while the family room, elevated by the tray with ceiling fan, is bathed in natural light from large windows, creating an inviting space to unwind. The serene primary suite serves as a private retreat, featuring multiple windows, a ceiling fan, and a spa-like ensuite bathroom. Here, you’ll find an oversized walk-in shower, beautiful tile accents, dual vanities with quartz countertops, and an expansive walk-in closet. Conveniently positioned beyond the family room, is the well-sized laundry room. A glass door leads to the covered & fully screened lanai with ceiling fan, providing an ideal outdoor escape for enjoying Florida’s beautiful weather. The fully fenced backyard offers a quaint, low-maintenance space for relaxation, while the two-car rear-facing garage and long paver driveway provide privacy and ample parking. Additional street parking is available for guests in the front of the home as well. Additional features include Rain Gutters, termite protection, gas water heater, Smart Doorbell and garage storage racks. Located in award-winning Starkey Ranch, this home offers convenient access to the highly rated K-8 Magnet School, scenic walking trails, 3 resort-style pools, parks, playgrounds, shopping, dining, Publix, and nearby beaches. Plus, a quick commute to Tampa International Airport. Enjoy an effortless lifestyle in this exceptional home—schedule your private tour today and discover why this is the perfect place to call home!
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.
