Welcome to elevated Florida living in the highly sought after Crystal Lagoon Community of Epperson. This 3 bedroom, 2.5 bath single story home offers 2,048 sq ft of thoughtfully designed space on a manicured 8,712 sq ft corner lot and includes a versatile flex room perfect for a home office, playroom, or additional lounge space. From the moment you arrive, the stone accent elevation, paver driveway, and covered front porch create exceptional curb appeal. Inside, wood look tile flooring, featured walls, coffered ceilings, 8’ doors, crown molding, and upgraded lighting add warmth and sophistication throughout. The gourmet kitchen is the centerpiece of the home, featuring stunning waterfall quartz countertops, 42” cabinetry with crown molding, subway tile backsplash, stainless KitchenAid appliances, built in wall oven, French door refrigerator, water softener, and a spacious island perfect for gathering. Zero corner sliding glass doors open seamlessly to the screened paver lanai, creating true indoor outdoor living. The backyard is fully fenced for privacy and pets while remaining easy to maintain. The primary suite offers tray ceilings and a spa inspired bath with Super Shower and rain shower head. Additional upgrades include surround sound, built in speakers, water softener system, new water heater 2026, and HVAC UV light installed 2025. Skip the build time and start living the lifestyle today. This home is located in the gated Epperson South Lagoon Community. The Epperson Lagoon Community features the Publix Plaza at Innovation Springs where you can ride your golf cart, plus Starbucks and Chick Fil A. The Epperson HOA quarterly fee is $261 and includes cable and Ultra Fi high speed internet. The Crystal Lagoon Membership Fee is $113 per quarter. The closest elementary schools are Innovation Preparatory Academy, Watergrass Elementary School, and Wesley Chapel Elementary. Kirkland K 8 Charter School is just a few blocks away. The closest middle school is Thomas Weightman Middle School. Nearby high schools include Kirkland Academy of Innovation High School and Wesley Chapel High School. The community features Street Leaf solar streetlights and is home of the first Crystal Lagoon, where residents have access to Elam Park, the dock at King Lake, paddle boarding, kayaking, a Wibit obstacle course, cabanas, AquaBanas, sandy beaches, live music events, swim up bar, and resident only events. Holiday and seasonal events include Trivia Night, Family Night, Movies on the Lawn, Sounds of Summer, karaoke, Pumpkin Patch, golf cart parades, Cinco de Mayo celebration, Fourth of July celebration, and more. Community amenities also include Eagles Nest Park, a dog park, and golf cart paths. This home is about 10 minutes from KRATE, 35 minutes north of Downtown Tampa, 45 minutes from Tampa International Airport, and 90 minutes from Orlando and Walt Disney World theme parks. Do not miss this opportunity to own in one of Wesley Chapel’s most sought after neighborhoods. Schedule your showing today. Video tour available upon request.
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.
