Need space? This one has it. Inside and out. Located on a quiet cul-de-sac in the highly desirable Concord Station community, this 7 bedroom, 4 bathroom home offers tons of room to spread out, grow, entertain, and make it your own. Situated on a spacious .27 acre lot, this property provides a little extra breathing room while still being close to everything you need. With over 4,000 square feet, a 3-car garage, and an incredibly versatile floor plan, this home is ideal for multi-generational living, large households, remote work, frequent guests, or simply anyone who appreciates having plenty of space. Inside, you'll find wood laminate flooring throughout the first floor living spaces, a formal living and dining room combination, a family room, granite countertops and tile flooring in the kitchen, and a huge extended walk-in pantry that provides the most storage. The kitchen also offers a dedicated dining area, plus an additional bonus nook that is perfect for a home office, homework station, reading corner, craft space, coffee bar, or whatever your heart desires. The family room is right off the kitchen and has an electronic fireplace. Around the corner is a private first floor bedroom and full bath that would be perfect as an in-law suite, guest room, home office, gym, or playroom. It even includes a Murphy bed, making it truly move in ready for friends or extended family staying over. Upstairs, you'll find even more room to live comfortably with 6 additional bedrooms and 3 full bathrooms. The entire second floor is carpeted, with tile in the bathrooms. French doors lead you into the oversized primary suite that has two huge walk-in closets complete with closet organizers, giving you exceptional storage and organization space. Your bathroom has a separate tub and shower and dual sinks. You'll also appreciate the upstairs laundry room, which includes the washer and dryer along with additional storage space to make laundry day easy peasy. The major updates have already been taken care of for you, including a brand new roof installed in 2024 and two brand new air conditioning systems installed in June 2025. Location can't be beat! You're just minutes from everyday conveniences, dining, and entertainment, including Fresh Kitchen, Publix, Aldi, Famous Harry's BBQ, and BellaBrava. Commuters will appreciate the quick access to SR 54 and the Veterans Expressway/Suncoast Parkway, while nearby parks, recreation, and golf courses make it easy to enjoy everything the area has to offer. Residents of Concord Station also enjoy access to community amenities including basketball courts, a playground, and the community clubhouse and pool (available through a paid membership). If you've been searching for a home that gives you room to breathe without sacrificing convenience, this is one you won't want to miss!
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.
