Welcome to 4642 Prairie Creek St, an exceptional 2021-built residence nestled in the highly desirable Enclave at Hamlin in Winter Garden. Perfectly positioned in one of Central Florida’s fastest-growing and most vibrant areas, this meticulously upgraded two-story home offers approximately 2,149 square feet of refined living space on a 4,250 sq ft lot, combining modern luxury, energy-conscious enhancements, and functional design. This thoughtfully designed floor plan features 4 bedrooms (including a convenient main-floor bedroom ideal for guests, multigenerational living, or a private office), 2.5 bathrooms, and a private rear-load 2-car garage that enhances curb appeal and provides additional driveway functionality. From the moment you enter, you are welcomed by an expansive open-concept layout filled with natural light. The seamless flow between the living, dining, and kitchen areas creates an ideal setting for both everyday living and entertaining. Upgraded flooring throughout, fresh interior paint, and contemporary light fixtures elevate the home’s clean, modern aesthetic. The chef-inspired kitchen serves as the heart of the home, fully enhanced with Level 5 quartz countertops, a spacious island wrapped in custom porcelain tile creating a dramatic focal point, stainless steel appliances, and abundant cabinetry for optimal storage. The layout is designed for both functionality and visual impact, making it perfect for hosting gatherings or enjoying quiet evenings at home. Upstairs, the spacious primary suite offers a private retreat complete with a custom walk-in closet and a beautifully upgraded en-suite bath featuring a quartz countertop. Secondary bedrooms are generously sized, and the second full bath is finished with durable ceramic tile for both style and longevity. The remodeled laundry room adds efficiency and thoughtful design to daily routines. This home stands out with premium system upgrades that add tangible long-term value and comfort, including: Whole-home water filtration and softener system, APCO-X Ultra air purification system (improves indoor air quality and extends HVAC lifespan), Five Arlo security cameras that convey with the home, Pre-wiring for additional coverage and connectivity. The 4,250 sq ft lot provides usable outdoor space for entertaining, storage, and parking flexibility while maintaining low-maintenance appeal. Residents of the Enclave at Hamlin enjoy close proximity to Hamlin Town Center, offering premier shopping, dining, entertainment, and waterfront amenities, along with access to top-rated schools and major roadways for convenient commuting. Blending contemporary finishes, high-end upgrades, smart home enhancements, and an unbeatable location, 4642 Prairie Creek St is truly move-in ready and delivers both immediate comfort and lasting investment value. This is a rare opportunity to own a turn-key home in one of Winter Garden’s most sought-after communities. Schedule your private showing today and experience the lifestyle this exceptional home offers.
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.
