This large, newer home is the perfect place to enjoy the Florida lifestyle, with many things to do within walking distance or a short drive! A short walk to the library, amenities and schools! Not a 55+ community. This spacious, energy-efficient home is just 5 years young and offers 2,614 sq. ft. of living space — larger than most homes in this price range! The floor plan gives you plenty of flexibility, with a first-floor bedroom and full bath perfect for guests, an office, or a playroom. At the heart of the home, the open-concept kitchen shines with stainless steel appliances, a large walk-in pantry, generous island, tons of cabinet space, and extra storage tucked under the stairs. The kitchen flows seamlessly into the spacious dining and living areas — great for entertaining or family time. Upstairs, the primary suite spans approximately 18×20 ft and features an en-suite bath and ample closet space. You’ll also find four additional bedrooms — three of which are oversized — plus a 15.5×10 ft loft that’s ideal as a second living area, study, or play zone. The laundry room is conveniently located on the second floor. Energy-efficient features include ceiling fans, low-E dual-pane windows, high-efficiency insulation, sealed ductwork, radiant-barrier roof sheathing, LED lighting, and programmable thermostats — helping lower utility costs year-round. The large, fully fenced backyard is perfect for pets, play, and soaking up the Florida sunshine.The resort-style community amenities are exceptional: a sparkling swimming pool with cabanas, fitness center, splash pad, dog park, playgrounds, basketball, tennis, pickleball, walking trails, and even a clubhouse available for private events. Residents also enjoy regular community gatherings — from Easter and Halloween parties to 4th of July and New Year’s celebrations! Located just minutes from I-75, you’ll enjoy quick access to Tampa, St. Pete, and Sarasota. Nearby are Publix, Aldi, Sam’s Club, Home Depot, and plenty of dining options — including Circles Waterfront, Finn’s Dockside, Hooks, Tiki Docks, and more. You’re also close to HCA Florida South Shore and St. Joseph’s South hospitals, Bullfrog Creek Wildlife Area, E.G. Simmons Park, golf courses, and Ruskin Drive-In. Public schools are within walking distance, and Florida’s school-choice system gives you access to excellent nearby charter and daycare options. Many VA buyers have chosen this community — and the seller is very open to VA offers! If you want a large, newer home, amazing community, and great location, this could be THE ONE for you! Don’t wait – schedule a showing TODAY! Sun City Center address - NOT a 55+ community.
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.
