OFFFERING FREEDOM AND LAND—USE YOUR PROPERTY THE WAY YOU WANT! Set on a full acre with no HOA and no deed restrictions, this beautiful brick home offers the freedom to live, park, and work the way you want. Bring your RV, boat, work trucks, trailers, equipment, and all your toys—the possibilities here are endless. Conveniently located near SR-39 and SR-60 with easy access to I-4 and I-75, this home combines the luxury of space, freedom, and possibility with everyday convenience. Surrounded by stately homes and open pastures, the setting offers a rare blend of peaceful country living while remaining closely connected to the Tampa Bay area. This charming one-story home welcomes you with a spacious covered front porch—perfect for morning coffee or sunset evenings. Inside, you’ll find three bedrooms, two bathrooms, and an expansive open floor plan featuring wood-look flooring throughout the main living areas and bedrooms, beautiful tile in the kitchen and baths, recessed lighting, a stunning stone wood-burning fireplace, and an abundance of natural light. The kitchen is both stylish and functional, showcasing 42-inch oak cabinetry with crown molding, granite countertops, a gorgeous tile backsplash, a stylish vent hood, and a cozy breakfast nook. A separate dining area connects the kitchen to the living room and seating area, creating an effortless flow ideal for everyday living and entertaining. Down the hall, the spacious primary suite features an ensuite bathroom, while two additional bedrooms and a second full bath provide comfortable accommodations for family or guests. Just off the kitchen and dining area, the large lanai creates the perfect setting for outdoor dining, grilling, or simply relaxing while enjoying the scenery of your private acre shaded by mature trees and full of opportunity. Additional highlights include a fully fenced property, oversized two-car garage, extra-long curved driveway, two access points to the property providing convenient entry for RVs, trailers, work trucks, or larger equipment, and a large storage shed offering ample space for tools, equipment, or hobbies. Located in the heart of Plant City, one of the last areas in Hillsborough County where buyers can still enjoy land, space, and small-town charm while remaining within the Tampa–Lakeland I-4 corridor. As growth continues to expand east from Tampa, Plant City is attracting buyers seeking more land, more flexibility, and greater value while remaining close to major employment centers, logistics hubs, and everyday conveniences. With its open land and flexible property use, opportunities here extend beyond lifestyle alone. Not to mention grocery stores, dining, shopping, and healthcare are all just a 5–10 minute drive away, along with charming downtown Plant City, the Florida Strawberry Festival grounds, local favorite Lumley’s Farm & Market known for fresh produce and family-friendly activities—including an adorable petting zoo with rare farm animals you have to see to believe—and outdoor destinations like Edward Medard Regional Park and Alderman’s Ford Park offering boating, fishing, scenic trails, and nature exploration. This home and location truly have it all at a price point hard to believe—an extremely rare opportunity to own a piece of Hillsborough County where you can truly use your property the way you want, enjoy your surroundings, and still have everything you need within a 10-minute drive. Do not miss out—schedule your private tour 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.
