Located in the heart of Carrollwood Springs, this exceptional 3-bedroom, 2-bath, POOL Home delivers a rare combination of privacy, waterfront serenity, and true Florida lifestyle living. Thoughtfully designed and meticulously maintained, this home lives like a private retreat while offering modern conveniences and major system upgrades throughout. From the moment you arrive, you’ll appreciate the very private entrance, leading into a charming front courtyard that immediately sets this home apart. This welcoming space is perfect for morning coffee, intimate gatherings, or quiet evenings and features a dedicated JACUZZI, creating a true spa-like escape right at the front of the home. The detached two-car garage adds both flexibility and functionality, complementing the courtyard-style design while providing additional storage and privacy. The home offers SMART HOME features for added convenience and modern living, along with a water softener for everyday comfort. Major system upgrades include a newer roof, updated plumbing, and impact windows, providing lasting value and peace of mind. Inside, the layout is both functional and inviting, offering comfortable living spaces filled with natural light and designed for everyday living and entertaining. As you move to the back of the property, the lifestyle truly unfolds. The rear of the home opens to a screened-in pool and expansive back patio, creating a private outdoor oasis ideal for entertaining, relaxing, or enjoying Florida’s year-round sunshine. The pool area overlooks a beautiful spring-fed lake, offering tranquil water views, peaceful sounds of nature, and stunning sunsets that make every day feel like a getaway. The fully fenced property enhances privacy throughout, allowing you to truly enjoy each outdoor space, from the front courtyard and jacuzzi to the rear pool and lakefront patio, without compromise. Ideally located in one of Carrollwood’s most desirable neighborhoods, this home offers a serene setting while remaining just minutes from shopping, dining, parks, major roadways, and everything Tampa has to offer. This is more than a home, it’s a lifestyle defined by privacy, water views, and effortless Florida living. A rare opportunity to enjoy courtyard charm, lakefront relaxation, and resort-style amenities all in one exceptional property.
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.
