NOW OFFERING TOURS 7 DAYS A WEEK! Contact the Exclusive Agent for more info. Some houses have curb appeal. This one has an entrance. Twilight photography barely does justice to the double glass doors with brass hardware, framed by paver walkways and a stately craftsman roofline, the kind of first impression that makes buyers stop the car before they even reach the driveway. Step inside and the sage-green foyer sets the tone: soaring ceilings, a statement boho chandelier, and wide-plank wood-look flooring that runs clean through the main living areas. This is a floor plan built for the way people actually live, 3,541 square feet, four bedrooms, four full baths, and a private in-law suite that solves the multigenerational puzzle without anyone giving up personal space. Whether it's aging parents, a grown kid boomeranging home, or a long-term guest, everyone gets their own door to close. The living room anchors the home with a floor-to-ceiling built-in entertainment wall, plenty of storage, plenty of style, opening straight through to a kitchen made for people who actually cook: chevron tile backsplash, a farmhouse sink, and a sunny dining nook framed by oversized windows. And just past the sliders, the home makes its real case. The panoramic screened lanai turns the backyard into the main event, a sparkling pool and spa with a tiled sun shelf, an outdoor kitchen for the chef who doesn't want to leave the party, and an unobstructed pond view that changes with the light all day long. No rear neighbors staring back, just water, sky, and the occasional heron doing its rounds. Three-car garage. Room to actually work with. A layout that flexes with your life instead of fighting it. This is the rare listing where the photos undersell it. This address isn't just a house, it's a membership card to one of Tampa Bay's most talked-about communities. Epperson is home to the Crystal Lagoon, a 7.5-acre man-made oasis with white sand beaches, paddle boards, kayaks, swim-up bars, and a social calendar that runs practically year-round. It's also one of the few communities in the country built with gig-speed fiber internet piped straight to every home, a quiet perk that matters a lot more than it sounds like it should. Zoom out and 33545 keeps delivering: The Shops at Wiregrass and Tampa Premium Outlets for retail therapy, Popstroke's Tiger Woods-designed mini golf for date night, Flatwoods Wilderness Park for trail runs, multiple hospitals like Advent Health, Baycare and coming soon: Johns Hopkins All Children's Hospital. Lastly, AdventHealth Center Ice for hockey and skating. Busch Gardens, the Florida Aquarium, and ZooTampa are all a straightforward drive down the interstate, and Tampa's downtown core and airport are close enough for an easy commute without the big-city price tag on your own street. Wesley Chapel has become one of the fastest-growing corners of the Tampa Bay area for a reason, new schools, new retail, and a lifestyle built around water, greenspace, and community events. 8761 Drummer Plank Dr puts you right in the middle of it, with a backyard good enough that you may never want to leave. Offering tours 7 days a week for qualified Buyers. Connect with the Agent for a private tour. A video tour is posted on YouTube, just search by address!
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.
