Welcome to 3906 Fox Ridge Blvd, Wesley Chapel — where space, privacy, and prime location come together on a full acre of land. This beautifully maintained 4-bedroom, 2-bath home offers the rare opportunity to enjoy wide-open space while staying just minutes from everything Wesley Chapel has to offer. Sitting on a true 1-acre lot, the property provides endless potential — room to add a pool, build a detached garage or workshop, store recreational vehicles, create your dream outdoor entertaining space, or simply enjoy the privacy and breathing room that’s so hard to find. Inside, the home features a bright and inviting layout with spacious living areas designed for both everyday comfort and gathering with friends and family. Natural light pours in through large windows, complementing the warm flooring and clean, modern finishes throughout. The kitchen offers ample cabinetry and counter space, flowing seamlessly into the dining and living areas for an open yet functional feel. The primary suite serves as a peaceful retreat with its own private bath, while three additional bedrooms provide flexibility for guests, a home office, or growing households. Step outside and you’ll immediately appreciate the scale of the lot — mature trees, open green space, and room to truly make it your own. Whether you envision weekend barbecues, a garden, play space, or future expansion, this property gives you the freedom to create it. Location is equally impressive. Just minutes from I-75, SR 56, and SR 54, you’re conveniently close to The Shops at Wiregrass, Tampa Premium Outlets, The Grove at Wesley Chapel, KRATE, Costco, Sam’s Club, and over 100 dining and entertainment options. Top medical facilities including AdventHealth, BayCare, Moffitt, VA Hospital, and the new Johns Hopkins and Florida Medical Clinic hospitals are all nearby. Enjoy quick access to downtown Tampa, area beaches, Busch Gardens, and everything the Tampa Bay region has to offer — all without sacrificing the tranquility of a spacious homesite. A full acre in the heart of Wesley Chapel is a rare find — offering space to grow, room to dream, and a lifestyle that blends convenience with freedom.
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.
