Welcome to your cabin in the woods dream where country charm, modern comfort, and wide open Florida living all come together on 2.19 private acres. This beautifully crafted 4 bedroom 3 bath log home offers 3,038 square feet of warm inviting living space, recently remodeled and filled with character in every direction. From the moment you arrive, the home feels like a true escape, peaceful, grounded, and unforgettable. Step inside and you are welcomed by soaring ceilings, rich cedar and cypress finishes, and a split floor plan that blends openness with comfort. Tile flooring flow throughout the home, complementing the natural textures and enhancing that true cabin feel that is both cozy and elevated. At the heart of the home, the kitchen brings style and function together with quartz countertops, under mount sink, stainless steel appliances, removable solid wood island, and warm tile flooring that ties everything together. Whether hosting in the formal dining room or enjoying a quiet morning at the breakfast bar, this space was made for gathering. A dedicated office with French doors offers a perfect work from home setup. The primary suite feels like a retreat with dual closets and a spa inspired ensuite bath featuring dual sinks and a walk in shower. A private in law suite with its own entrance provides flexibility for guests or multigenerational living. The Florida room adds even more space and can be used as a playroom, creative space, or game room. Outside is where this property truly shines. Enjoy Florida evenings around your gas heated saltwater pool added in 2023 with Pentair smart controls, LED lighting, six jets, bench seating, sun shelf, bubbler, and an automatic self cleaning system designed for easy entertaining and everyday enjoyment. The land is fully set up for lifestyle living with a 24 by 20 workshop with two bays, a 24 by 28 pole barn with power and water, a two car carport with storage, and additional covered parking for boats, trailers, and recreational toys. Fresh exterior paint and new gutters complete the refreshed look of the property. Peace of mind comes easy with a whole home generator powered by a 500 gallon propane tank, updated well system components, and a whole house Culligan water system with reverse osmosis drinking water. Fully fenced and ready for animals, hobbies, and outdoor living, this property offers the space, privacy, and freedom that is getting harder to find. No HOA and no CDD. A rare log cabin estate that feels like a getaway while still offering everyday convenience. Schedule your private showing and experience it in person.
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.
