Welcome to your own private Florida retreat, where space, comfort, and versatility come together on a beautifully landscaped one-acre property. This expansive 4-bedroom, 2-bath residence offers 2,262 square feet of thoughtfully designed living space, creating the perfect environment for relaxed everyday living, effortless entertaining, and multi-generational flexibility. Surrounded by mature trees and lush landscaping, the property feels like a secluded sanctuary. Scenic wooded views provide a natural backdrop of tranquility, while the circular driveway makes a striking first impression and offers ample parking. In addition to the main drive, a dedicated parking pad and extra off-street space provide plenty of room for guests, recreational vehicles, or multiple cars. Step inside and experience a bright, welcoming interior filled with natural light and generous living spaces. The home’s layout has been carefully designed to promote both comfort and flow, seamlessly connecting the main living, dining, and gathering areas. Elegant French doors enhance the home’s charm while inviting the outdoors in, offering easy access to the backyard and creating an airy, open feel throughout. A standout feature of this property is the private in-law suite, complete with its own separate entrance. This flexible space is ideal for extended family, visiting guests, a home office, or even potential rental income opportunities—all while maintaining privacy from the main living areas. It’s a rare and valuable addition that enhances both functionality and lifestyle. Outdoors, the home truly shines. The rear porch provides a peaceful setting to enjoy your morning coffee or unwind in the evening while overlooking the expansive backyard. The resort-style in-ground pool and spa create a private oasis, perfect for cooling off on warm Florida days or hosting unforgettable gatherings with family and friends. The oversized one-acre lot offers endless potential. Whether you dream of creating a garden, adding outdoor recreation features, or simply enjoying wide-open green space, the level, usable land provides the flexibility to bring your vision to life. Mature landscaping throughout the property adds depth, beauty, and a sense of established charm. Additional features include a converted garage, offering valuable extra storage or adaptable space for hobbies, a workshop, or a fitness area. A security system with owned equipment and closed-circuit cameras provides added peace of mind, ensuring both comfort and safety. Situated in a desirable unincorporated in-county location with paved road access, this home offers the perfect balance of privacy and convenience. You’ll enjoy a quiet, spacious setting while still being just a short drive from shopping, dining, and everyday essentials. With its generous layout, private suite, resort-style outdoor amenities, and rare one-acre setting, this property delivers a unique lifestyle opportunity that is increasingly hard to find. Discover the space, comfort, and endless possibilities that await in this exceptional Florida home. Schedule your private showing today.
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.
