Custom Hannah Bartoletta Waterfront Pool Home with Private Dock, Boat Lift & Wide Water Views. Experience luxury waterfront living in this beautifully crafted custom Hannah Bartoletta home, ideally situated on a wide canal on one of the most coveted streets in the gated waterfront community of Mirabay. Offering 3 bedrooms, 3.5 bathrooms, pool with attached spa, a dedicated home office, an oversized 3-car tandem garage, private dock with 10k lbs boat lift, and a whole-house Generac generator, this exceptional residence blends timeless craftsmanship with the ultimate Florida lifestyle. From the moment you arrive, the home's manicured landscaping and welcoming front porch create a lasting first impression. Inside, you'll find an open and thoughtfully designed floor plan enhanced by custom architectural details, including double tray ceilings, crown molding, and custom 5.25-inch baseboards throughout. The formal dining room showcases rich hardwood flooring and seamlessly flows into the spacious living area, where two sets of pocket sliding glass doors fully open to create a true indoor-outdoor living experience. Designed for both everyday living and entertaining, the gourmet kitchen features granite countertops, custom cabinetry, a built-in 5-burner gas cooktop, built-in oven and microwave, an oversized pantry, and a massive wraparound island that serves as the centerpiece of the home. A sunny breakfast nook sits adjacent to the kitchen and opens directly to the lanai through sliding glass doors, allowing you to enjoy peaceful waterfront views with your morning coffee. The split-bedroom floor plan provides exceptional privacy for the luxurious primary suite, complete with hardwood flooring, French doors leading to the lanai, a spacious walk-in closet, and a spa-inspired bath featuring dual granite vanities, a garden tub, and a glass-enclosed shower. The two secondary bedrooms, including one with an attached bath, offer hardwood flooring, ceiling fans, and large closets. A dedicated home office provides the perfect space for remote work or a private study. Step outside to your own waterfront paradise. The expansive screened lanai is designed for entertaining and relaxation, featuring travertine tile, a heated pool and spa, a custom outdoor kitchen, ample covered seating areas, and breathtaking views of the wide canal lagoon. Whether hosting guests or enjoying a quiet evening by the water, this outdoor living space is truly exceptional. Boating enthusiasts will appreciate the private dock and 10k-pound boat lift, offering convenient access to Tampa Bay's world-class fishing, waterfront dining, and endless boating adventures. Additional features include a whole-house Generac generator, ceramic tile flooring throughout the main living and wet areas, hardwood flooring in all bedrooms and office, a durable tile roof, all televisions conveying with the sale, and a transferable FEMA-backed flood insurance policy that may save the new owner thousands of dollars annually. Residents enjoy access to MiraBay's waterfront clubhouse, resort-style pool with slide, beach-entry splash pad, lap pool, fitness center, tennis and pickleball courts, basketball courts, parks, walking trails, and a vibrant golf-cart-friendly community atmosphere. Conveniently located near waterfront dining, marinas, shopping, medical facilities, I-75, Tampa, Sarasota, and Tampa International Airport.
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.
