Welcome to one of the most desirable homes in Copperstone .Perfectly positioned on a premium oversized .27-acre cul-de-sac lot with breathtaking long lake views and direct sightlines to the community bridge. This beautifully maintained 4-bedroom, 2.5-bath home offers the ideal blend of comfort, functionality, and Florida lifestyle living. From the moment you step inside, you're greeted by an open and inviting floor plan filled with natural light and designed for both everyday living and entertaining. The spacious great room flows seamlessly into the dining area and kitchen, creating a comfortable and functional layout for gatherings and family time. The kitchen features granite countertops, ample cabinetry, stainless steel appliances, and a large breakfast bar overlooking the main living space. A dedicated dining area provides additional space for entertaining, while large sliding glass doors draw your eye toward the stunning lake views and outdoor living area. Just off the main living space, you'll find a versatile bonus room currently used as a den. This flexible space works beautifully as a home office, den, or formal dining room, offering buyers the ability to tailor the layout to their needs. The primary suite offers a peaceful retreat with beautiful backyard views, generous space, and a well-appointed ensuite bathroom featuring dual vanities, a walk-in shower, and a large walk-in closet. Three additional bedrooms provide comfortable accommodations for family or guests, along with a convenient half bath for visitors. The heart of the home flows seamlessly to the outdoor living space — where this property truly shines. Step outside to your private backyard retreat featuring a heated saltwater pool, expansive sun shelf with in-water loungers, and a large screened lanai designed for both relaxation and entertaining. The oversized covered patio offers multiple seating areas, perfect for hosting guests or enjoying peaceful lakefront sunsets. The infinity-style screen enclosure maximizes panoramic water views, while the expansive yard provides additional outdoor space to enjoy the peaceful lakefront setting. Additional upgrades include a newer roof (approximately 1 year old), built-in slide-and-lock hurricane shutters for quick and convenient storm protection, whole-house water softener system, generator hookup allowing easy connection to a portable gas-powered generator, and meticulous pride of ownership throughout. Located in the gated community of Copperstone, residents enjoy resort-style amenities including a clubhouse, fitness center, community pool, playground, and scenic walking paths. This is a rare opportunity to own one of the best lots and most impressive outdoor living spaces in Copperstone. Homes with this combination of location, upgrades, and views rarely become available.
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.
