6921 Ebb Tide Ave, Apollo Beach, FL 33572 | 4 Bedrooms | 2 Bathrooms | 2,114 Sq Ft | 2-Car Garage | Saltwater Pool Home | Waterset Highly upgraded and extensively customized, this Waterset pool home brings together modern design, smart functionality, and outdoor living in a way that’s hard to replicate. From the moment you walk in, the attention to detail stands out with wood plank tile flooring throughout the main living areas, crown molding, chair rails, LED recessed lighting, framed sliding glass doors, plantation shutters, and designer architectural wall features throughout the bedrooms. The open split-bedroom floorplan offers privacy and flow, while built-in carpentry in the dining room and office adds both character and function. Every room is hardwired for internet, and the home is equipped with two security systems, whole-house surge protection, and Category 5 rated hurricane impact windows. The gourmet kitchen was designed to be both a centerpiece and workspace, featuring stainless steel appliances, built-in oven and microwave, gas cooktop with exhaust hood, French door refrigerator, 42” upper cabinets with crown molding and under-cabinet lighting, tile backsplash with under-island detailing, oversized island with breakfast bar seating, walk-in pantry, and professionally painted cabinetry. It all opens directly into the living and dining spaces, making the home feel connected and easy to live in. The primary suite is privately positioned and finished with a custom shiplap feature wall, luxury vinyl plank flooring, room-darkening shades, and two walk-in closets with built-in organizers and shelving. The ensuite bath includes dual split vanities with framed mirrors, an oversized frameless glass shower with tile to the ceiling, built-in bench, niche, and listello accents. Secondary bedrooms continue the custom feel with upgraded wall detailing and designer finishes throughout. The outdoor living space truly separates this home. Step through the sliding glass doors to a covered and screened lanai complete with a stone feature wall, electric fireplace, ceiling fans, TV mount, privacy shade, and a full outdoor kitchen overlooking the saltwater, solar-heated pool. The pool area features a non-slip epoxy deck, while outside the enclosure is a fenced backyard with privacy landscaping, pavered walkway with fire pit, and professionally installed permanent Trimlight lighting for holidays and events. The garage includes two overhead storage racks, smart app-controlled opener, newer water heater (2023), and upgraded water softener (2025). The laundry room offers upper and lower cabinetry with a utility sink. Waterset is known for its resort-style amenity centers, pools, splash pads, fitness centers, parks, walking trails, restaurants, and highly rated public and charter schools. Apollo Beach offers the Nature Preserve, Manatee Viewing Center, marinas, and a connected coastal lifestyle. Conveniently located near US Hwy 41, US 301, and I-75 with quick access to Tampa, St. Petersburg, Sarasota, MacDill Air Force Base, three international airports, major sports venues, concerts, the Hard Rock Casino, hospitals including the VA Medical Center, and Gulf Coast beaches.
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.
