Welcome to a home that truly has it all! More than just a property, this is a lifestyle opportunity—a private retreat offering space, flexibility, and thoughtful design on 3.08 acres with RR1C zoning (allowing residential and low-impact agricultural-related uses). With room to breathe, room to grow, and room to dream, this is the freedom today’s buyers crave. This 4-bedroom, 4-bath POOL home features a well-planned layout with three bedrooms offering en-suite baths for comfort and privacy. The living room showcases soaring cathedral ceilings and a gas fireplace, creating a warm yet impressive gathering space filled with natural light. A formal dining room near the front entry provides the perfect setting for holidays and special occasions. The kitchen opens seamlessly to the living area and includes a heavy movable island—ideal for everyday living and entertaining. A spacious mud/laundry room offers direct access to the oversized garage and includes a laundry chute and attic fan vent for added efficiency and comfort. The primary suite and one secondary bedroom/office are located on the first floor, offering flexibility and potential for multi-generational living. The primary retreat features a gas fireplace, walk-in closet, and luxurious en-suite bath with a modern slipper tub and oversized shower with dual controls—your own private spa escape. Upstairs, two additional bedrooms each offer en-suite baths and walk-in closets, connected by an open walkway overlooking the main living area below. Major updates include AC systems and water heaters replaced in 2021. The roof will be replaced at the seller’s expense at or after closing, with buyer able to select the available shingle color—providing peace of mind and a personalized touch. Outdoor living is equally inviting with a covered front porch and large screened rear lanai leading to the enclosed in-ground pool—perfect for year-round Florida enjoyment. Just beyond the pool enclosure, a firepit creates an ideal setting for relaxing evenings under the stars. A pole barn adds versatility for storage, recreation, or agricultural-related use. A true standout feature is the approximately 1,250 sq. ft. barndominium-style structure offering a large open room with kitchenette, two additional rooms, one full bath, and a half bath with direct pool access. Ideal for entertaining, a home office, studio, private retreat, or flexible use consistent with zoning, this bonus space expands the possibilities and sets this property apart. Buyer to verify measurements, zoning, and permitted uses. This semi-rural setting is perfect for outdoor enthusiasts, homesteaders, equestrians, boating and fishing lovers, or anyone seeking space and connection to nature without sacrificing convenience. Ideally located near shopping, dining, entertainment, and major highways, it offers the perfect balance of privacy and accessibility. Properties like this rarely come available. With acreage, a pool, flexible living spaces, thoughtful updates, and endless potential, this isn’t just a home—it’s the one buyers have been waiting for.
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.
