895 Joan St, Dunedin, FL 34698
2 beds · 2 baths · 1,240 sqft
Under contract-accepting backup offers. Welcome to your dream home in the heart of Dunedin, Florida—just under a mile to vibrant Downtown Dunedin, one mile from the Pinellas Trail, and only one mile from the Blue Jays' TD Ballpark. Situated in the highly sought-after GOLF CART FRIENDLY district, this home offers a lifestyle of convenience, charm, coastal relaxation, and peace of mind with a BRAND NEW ROOF, NEW AC SYSTEM, being located in a NON-VACUATION ZONE & NON-FLOOD ZONE. The kitchen is a chef’s delight, featuring maple cabinetry, granite countertops, and stainless steel appliances, including a brand-new refrigerator (May 2025). Both bathrooms have been tastefully renovated, and the spacious primary bedroom features double closets for ample storage. Step outside to your private oasis: a stunning saltwater pool constructed in 2020 and a charming gazebo that's perfect for relaxing evenings or hosting happy hour gatherings. The pool’s salt cell was just replaced in April 2025, ensuring low-maintenance enjoyment for years to come. Set on a desirable CORNER LOT, the FULLY FENCED yard offers privacy and space, including a double gate on the side yard—ideal for parking a boat, RV, golf cart, or trailer. Enjoy year-round comfort with a BRAND-NEW ROOF (May 2025), and a LESS THAN ONE YEAR OLD AC system installed in July 2024. Whether you’re sipping coffee poolside or entertaining guests, this home checks every box. Dunedin is beloved for its walkable downtown, thriving arts scene, waterfront parks, and tight-knit community feel. With year-round events, local breweries, and beautiful Gulf Coast sunsets just minutes away, it’s easy to see why Dunedin is one of Florida’s hidden gems. Don’t miss your chance to own a slice of paradise in one of the most welcoming and vibrant towns on the west coast of Florida!
Source: STELLAR #TB8384708
Source: STELLAR #TB8384708
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.
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.
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.
