BUILT IN 2020. EVERYTHING IS 5 1/2 YEARS OLD. ROOF, HVAC, WATER HEATER, SEPTIC AND DRAINFIELD, EVERYTHING !!! WELCOME TO YOUR DREAM HOME. From the moment you step onto the front porch, you are greeted with sweeping VISTA VIEWS and sunsets that feel like your own private show each evening. Perched high above the surrounding landscape at approx 120ft above sea level, this home sits high and dry and offers the kind of elevation and peace of mind Florida buyer's are increasingly searching for. Featuring 4 bedrooms, 3 full bathrooms, a dedicated office and a 3 car garage, this beautifully crafted home blends spacious living with thoughtful design across 2,438sqft all set on nearly a third of an acre. Inside, the home opens up with soaring 10ft ceilings and a light filled layout that feels both expansive and inviting. The main living area was made for gathering, with a spacious great room that flows seamlessly into the dining space and a kitchen that truly anchors the home. The kitchen features a large center island, granite countertops, stainless steel appliances and rich espresso maple cabinetry that adds warmth and depth. This home is enhanced with a fully integrated smart home package including app-controlled climate, keyless entry, smart lighting and a video doorbell system, offering a seamless blend of comfort, security and modern living. The primary suite is a true retreat, complete with a tray ceiling, generous his and hers closets and a spa inspired bathroom with a glass walk in shower, garden tub and double vanity. The split floor plan offers privacy for everyone, with two additional bedrooms and a full bath on one side, while a separate guest suite tucked near the laundry and garage creates the perfect space for extended family or visitors who want their own sense of privacy. Step out back to the screened lanai where mornings start slow with coffee and birdsong and evenings wind down surrounded by peaceful greenery. The setting feels quiet and tucked away, yet you are just minutes from everyday conveniences. Shopping and dining are 5 minutes away, Pine Island Beach is within 20 minutes, Tampa International Airport is about 45 minutes and both St Petersburg Beach and Orlando attractions are an easy drive for weekend escapes. Enjoy added peace of mind because of the NEWER ROOF, HVAC AND WATER HEATER all from 2020 along with remaining structural warranty coverage in place. With no HOA and no CDD, you have the freedom to truly make this property your own, plus plenty of space along the right side of the home to park an RV, boat, trailer or other toys with ease....... Thoughtfully designed, beautifully maintained and positioned to capture some of the most stunning views in the area, this is the kind of home that feels special the moment you arrive.
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.
