Welcome to Your Private Retreat in the Highly Sought-After Victoria Oaks Community in DeLand! Discover the perfect blend of elegance, comfort, and Florida lifestyle living in this beautifully maintained 3-bedroom, 2-bath home tucked away on a quiet cul-de-sac. From the moment you arrive, you’ll appreciate the inviting curb appeal, spacious setting, and the feeling of stepping into your own private oasis. Inside, an expansive open-concept floor plan with soaring ceilings and a grand foyer entry creates a bright, airy atmosphere that instantly feels like home. The stunning custom kitchen serves as the heart of the home, designed for both everyday living and effortless entertaining. Featuring light cabinetry, granite countertops, upgraded designer backsplash, stainless steel appliances, a beautiful oversized island, and a spacious pantry, this kitchen is as functional as it is stylish. The thoughtfully designed split-bedroom layout offers privacy and comfort, with two spacious guest bedrooms and a full bath located at the front of the home, while the owner’s suite is tucked away in the rear for a peaceful retreat. Relax and recharge in the spacious primary suite featuring a large walk-in closet and an ensuite bath designed for comfort, complete with a brand-new glass shower door. This home also includes impressive upgrades and practical features throughout, including: • Epoxy-coated garage floors • Insulated garage door • Updated garage lighting • Attic flooring for additional storage space • Whole-home water softener system Step outside and experience where this property truly shines. The oversized covered lanai overlooks breathtaking conservation views, creating a tranquil backdrop for morning coffee, evening gatherings, or simply enjoying Florida’s beautiful weather year-round. The lush, professionally landscaped yard surrounds the home with privacy and beauty, making it a true gardener’s paradise. Living in Victoria Oaks means enjoying exceptional value with HOA benefits that include: ? Internet ? Cable ? Trash service ? Irrigation Residents also enjoy resort-style amenities including: • Community pool • Clubhouse access and rentals • Fitness center • Volleyball court • Playground and park • Picnic areas • Scenic walking trails Perfectly located just minutes from shopping, dining, and the charm of Downtown DeLand, this home is also near Stetson University, Blue Spring State Park, De Leon Springs, and the world-famous Daytona Beach. Plus, Orlando attractions including Disney and Universal are approximately an hour away. Offering an unbeatable combination of location, upgrades, lifestyle, and natural beauty, this home is more than a place to live—it’s a place to love. Schedule your private showing today and experience all that this exceptional property has to offer.
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.
