One or more photo(s) has been virtually staged. NOT IN A FLOOD ZONE | NEW ROOF 2024 | BOTH A/C UNITS REPLACED 2025 | FULL INTERIOR REPAINT. Welcome to a rare opportunity to own a one-owner, custom-designed residence in the exclusive, guard-gated enclave of Grand Hampton—one of Tampa Bay’s most sought-after master-planned communities. Tucked away on a quiet, tree-lined street, this expansive two-story home offers timeless curb appeal, lush landscaping, and a welcoming front porch that sets the tone for the elegance inside. Step through the front door and into a grand foyer where 9.5-foot ceilings, natural light, and easy-to-maintain tile flooring create an immediate sense of sophistication. To your right, French doors open into a sun-drenched private office, ideal for working from home in style and comfort. To the left, you’ll find a convenient half bath and a massive walk-in storage closet—perfect for keeping everyday essentials tucked away. Just beyond, the generously sized primary suite serves as a serene retreat, complete with his-and-her walk-in closets and a luxurious en suite bath featuring dual vanities, granite countertops, maple cabinetry, a soaking tub, and a glass-enclosed shower. Continue your tour into the formal dining room—perfect for intimate dinners or festive holiday gatherings—before arriving at the heart of the home: the fully renovated gourmet kitchen. A true showpiece, this culinary space has been completely reimagined with brand-new white soft-close cabinetry, sleek quartz countertops, a designer tile backsplash, and an oversized island that anchors the space with elegance and function. High-end stainless steel appliances, a 5-burner gas cooktop, and multiple sets of 42" upper cabinets offer both beauty and practicality. Every detail has been thoughtfully curated to elevate the cooking experience, while the open-concept design effortlessly flows into the expansive family room and sunlit dinette—creating the perfect environment for entertaining or everyday living. Upstairs, discover four generously sized bedrooms, each offering ample closet space and access to two well-appointed full baths—one a Jack-and-Jill design, the other conveniently located just across the hall. Two additional bonus rooms provide endless flexibility for a media room, home gym, secondary office, or playroom—tailor these spaces to fit your lifestyle. Outside, enjoy Florida living at its finest on the covered lanai, a peaceful spot to relax or entertain while surrounded by the lush, mature landscape unique to Grand Hampton. Notable Upgrades Include: New carpet throughout, Tankless water heater, Enhanced insulation, including a radiant barrier in the attic and additional wall insulation for energy efficiency, full interior repaint, and 3-car garage for ample storage including overhead racks. The community provides a wealth of amenities, including a 24-hour manned gate, state-of-the-art clubhouse, fitness center, playgrounds, lake access, and heated pools—including a lagoon-style pool with slide and a lap pool. Additional recreational features include tennis courts and basketball courts. Conveniently located near major highways I-75 and I-275, this property is just a short drive to local attractions such as Advent Hospital, PHSC, AdventHealth Center Ice, The Shops at Wiregrass, and Tampa Premium Outlets. Don’t miss your chance to own this exceptional home. Schedule your private showing today! For a virtual tour, click the provided link and experience the beauty of this remarkable property.
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.
