Welcome to the heart of Pinellas Park, where convenience, community, and Florida living come together. This charming home places you just 20 minutes in either direction from vibrant Downtown St. Petersburg, the award-winning Gulf beaches, and Downtown Tampa, making it easy to enjoy everything the area has to offer. Situated on a spacious corner lot, this well-maintained 3-bedroom, 1-bathroom home offers comfortable living both inside and out. Step inside to an open-concept floor plan featuring luxury vinyl plank flooring throughout and a seamless flow between the living, dining, and kitchen spaces. The updated kitchen is designed with granite countertops, stainless steel appliances, white cabinetry, and a stylish modern backsplash. The living and dining areas provide an inviting space for everyday living and entertaining. All three bedrooms offer generous space, while the centrally located bathroom provides everyday convenience. Additional updates include a water heater just replaced in 2026, a new AC system installed in 2024, 2019 windows, and a newer roof, providing added value, energy efficiency, and peace of mind for years to come. Even better, the home features a transferable flood insurance policy at just $726 per year. Outside, the fully fenced backyard creates a private setting with plenty of room for entertaining, pets, gardening, or simply relaxing in the Florida sunshine. Living in Pinellas Park means becoming part of a community that truly invests in its residents. This golf cart-friendly city offers easy access to England Brothers Park, home to the annual Country in the Park festival, weekend farmers markets, concerts, food truck rallies, and community events throughout the year. Just down the road the Skyview Community Pool features a lap pool, splash pad, and swim programs for all ages. Nearby Helen Howarth Park hosts youth sports leagues and community activities, while the Patti Johnson Farm provides educational experiences and a unique glimpse into the area's agricultural roots. It is not uncommon to see horses being ridden through parts of the city, adding to Pinellas Park's distinctive small-town charm. The city continues to grow with exciting investments focused on community gathering spaces and recreation. Just minutes away, the new Davis Commons City Center is transforming the area into a vibrant destination featuring outdoor concerts, plays, festivals, open-air markets, splash pads, playgrounds, public art, dining venues, and future brewery concepts. Scenic walking trails will connect the entire district, creating a welcoming space for residents and visitors alike. Pinellas Park is known throughout Tampa Bay for its strong sense of community, outstanding youth sports programs, recreational facilities, and year-round city events. Residents enjoy annual traditions including the Christmas Parade, holiday celebrations, youth programs at the Teen Center, community basketball courts, beach volleyball courts, parks, playgrounds, and countless opportunities to connect with neighbors. This is a city that truly pours back into the community. Quick access to US-19, Park Boulevard, and Interstate 275 makes commuting throughout Tampa Bay effortless. With local restaurants, shopping, recreation, entertainment, and some of Florida's most beautiful beaches all within easy reach, there's always something to enjoy just moments from your doorstep. Schedule your showing 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.
