NEW ROOF (2025) • NO CARPET • FLOOD ZONE X • FENCED YARD • NATURAL GAS COMMUNITY • ENERGY-EFFICIENT FOAM INSULATION. Why wait to build when this move-in ready home already offers the upgrades buyers want most? Located in the highly desirable Eaves Bend at Artisan Lakes, this beautifully maintained 4-bedroom, 2-bath residence combines modern finishes, thoughtful upgrades, and exceptional community amenities, creating the perfect place to call home. Freshly painted inside and out, this home features new luxury vinyl flooring throughout all bedrooms, a transferable roof warranty, hurricane shutters, and upgraded foam attic insulation designed to enhance energy efficiency and help keep utility costs low. Step inside and discover a bright, open-concept floor plan that effortlessly connects the great room, dining area, and kitchen, making everyday living and entertaining a breeze. Tile flooring throughout the main living areas adds both style and durability while large windows fill the home with natural light. The beautifully updated kitchen is the centerpiece of the home, featuring granite countertops, an updated backsplash, stainless steel appliances, a natural gas range, recessed lighting, abundant cabinetry, and a spacious center island perfect for gathering with family and friends. Tucked away at the rear of the home for added privacy, the spacious primary suite offers a relaxing retreat complete with a large walk-in closet, dual vanities, walk-in shower, and private water closet. Three additional bedrooms are thoughtfully positioned toward the front of the home and share a well-appointed guest bathroom with granite countertops and a tub/shower combination. Outdoor living is just as inviting. A charming paver front porch creates a warm welcome and the perfect spot to enjoy your morning coffee. Out back, the extended enclosed lanai provides valuable additional living space and overlooks the fully fenced backyard, creating an ideal setting for entertaining, pets, play, or simply enjoying Florida's year-round sunshine. The desirable southern rear exposure allows for abundant natural light throughout the day. Additional features include a dedicated laundry room with washer and dryer included, ample storage throughout, and the added peace of mind of being located in Flood Zone X. Residents of Eaves Bend enjoy access to outstanding resort-style amenities, including a clubhouse, fitness center, resort-style pool and spa, fire pit, grilling stations, playgrounds, basketball court, soccer field, dog parks, and scenic walking and jogging trails. With low HOA fees and exceptional amenities, it's easy to see why Artisan Lakes continues to be one of the area's most sought-after communities. Conveniently located near I-75, you'll enjoy easy access to Tampa, St. Petersburg, Sarasota, Bradenton, Lakewood Ranch, and the beautiful beaches of Anna Maria Island. Shopping, dining, healthcare facilities, and exciting new development along the Moccasin Wallow corridor are all just minutes away. With major updates already completed and nothing left to do but move in, this home offers the perfect combination of comfort, convenience, and value. Schedule your private showing today and experience everything this exceptional home 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.
