Stunning South Tampa Pool Home with Detached Guest House / ADU – Move-In Ready! Welcome to this beautifully updated South Tampa retreat offering the perfect blend of modern upgrades, flexible living space, and a private backyard oasis. This exceptional 3 bedroom, 2 bathroom pool home also features a detached ADU/guest house / mother-in-law suite complete with its own full bathroom, creating incredible flexibility for multigenerational living, a home office, guest retreat, cabana house, or potential income-producing opportunity. Total bedroom and bathroom count includes the detached ADU/guest suite with bedroom, closet and full bath. Originally remodeled in 2017, the home offers a bright and open layout with stylish finishes throughout. The updated kitchen features modern cabinetry, granite countertops, stainless steel appliances, and a sleek subway tile backsplash, all overlooking the spacious living areas with beautiful wood-look laminate flooring that runs throughout the home. Large brand-new windows, Impact-resistant windows (per seller) allow natural light to fill the space while creating a warm and inviting atmosphere. The private primary suite provides a relaxing retreat with an ensuite bathroom featuring dual sinks and a beautifully updated walk-in shower, while two additional bedrooms provide comfortable space for family, guests, or work-from-home needs. Step outside and enjoy your own private courtyard-style pool oasis, perfectly positioned between the main home and the detached guest house, creating a resort-style setting ideal for entertaining or relaxing. The backyard also features lush landscaping, a mulched dog run along the east side of the home, and a convenient storage shed. Backyard is completely fenced in for your convenience. The detached guest house provides an incredible bonus space with its own full bathroom, making it ideal as a guest suite, private office, gym, art studio, pool cabana, or additional bedroom. Significant upgrades provide peace of mind and include new HVAC system in 2025, guest house in-wall AC replaced in 2025, refrigerator replaced in spring 2025, electrical main breaker panel replaced in 2021, water heater replaced in 2021, new paver driveway installed in 2019, attic insulation added in 2019, ductwork updates completed between 2018 and 2025, and all above-ground plumbing replaced since 2018. Located in a highly desirable South Tampa location, this property offers convenient access to downtown Tampa, Hyde Park, MacDill Air Force Base, major hospitals, shopping, dining, and entertainment. Homes offering a private pool and detached guest house in South Tampa are rare, and this beautifully updated property is truly move-in ready. 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.
