One or more photo(s) has been virtually staged. Welcome to 441 McKenna Dr, a well-maintained 4-bedroom, 2.5-bath home in the Lucerne Park Reserve community, where modern design, energy efficiency, and everyday functionality come together in a comfortable Winter Haven setting. From the moment you enter, the home feels bright and open, featuring a clean, neutral palette and durable tile flooring throughout the main living areas. The open-concept layout seamlessly connects the kitchen, dining, and living spaces, creating an ideal environment for both daily living and entertaining. Here is a clean, MLS-appropriate disclaimer you can use: --- All information provided is deemed reliable but is not guaranteed and should be independently verified by buyers and their agents. Room dimensions are approximate and should be measured for accuracy. HOA fees, rules, and restrictions are subject to change and must be confirmed directly with the association. Information regarding the solar system, roof, utilities, and other property features is based on seller representations and has not been independently verified. Listing broker and seller make no warranties, expressed or implied, as to the accuracy of the information provided. The kitchen serves as the heart of the home, showcasing white cabinetry, stainless steel appliances, quartz countertops, ample prep space, and a central island that naturally brings everyone together. The living area is enhanced by a decorative feature wall with a fireplace focal point, adding character and visual interest beyond standard finishes. Large sliding glass doors invite in natural light and provide direct access to the fenced backyard, offering a versatile outdoor space for relaxing, entertaining, or pets. The primary suite features a spacious bathroom with dual sinks, quartz countertops, a glass-enclosed shower, and built-in shelving for added storage and convenience. Additional bedrooms offer flexibility for guests, a home office, or hobbies, while the half bath provides added convenience for visitors. A dedicated laundry room further enhances the home's functionality. This home also includes smart outlet features compatible with Alexa, allowing for convenient voice-controlled functionality and adding a modern smart-home element that enhances everyday living. One of the standout features is the seller-reported solar panel system, designed to produce 100% of the home’s energy consumption. According to the seller, the electric bill is typically around $40 or less per month, reflecting primarily the grid connection charge. The seller will also pay for the solar transfer, adding significant long-term value. Additionally, the seller reports a new roof installed in 2024. Located in Lucerne Park Reserve, residents enjoy access to community amenities including a pool, playground/tot lot, and scenic lakes. The Winter Haven location offers convenient access to shopping, dining, healthcare, schools, and local attractions including LEGOLAND Florida Resort. This property offers a compelling combination of modern features, energy efficiency, and community living—making it an excellent opportunity for buyers seeking both comfort and long-term value. One or more photo(s) has been virtually staged.
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.
