Welcome to 9 Sunset Drive — a peaceful hidden retreat where comfort, nature, and thoughtful living come together. Nestled on a generous 0.33-acre lot in charming DeBary, this lovingly maintained 2-bedroom, 2-bath residence offers a rare blend of solid timeless construction, meaningful upgrades, and the kind of peaceful energy that instantly makes you exhale. Perfect for the nature enthusiast, gardener, creative soul, or anyone craving a slower, more intentional lifestyle, this property feels like a private sanctuary tucked away from the noise, yet conveniently close to everyday essentials. Inside, natural light pours into the bright, inviting interior, highlighting the durable terrazzo flooring throughout and creating a warm, grounded atmosphere full of character and comfort. This home is truly move-in ready, with major updates already thoughtfully completed, including a brand-new roof (2025), updated plumbing (2020), efficient Mitsubishi split-unit A/C systems for personalized zoned comfort, and an impressive water system featuring private well water, filtration, softener, reverse osmosis drinking water, and no monthly water bill. The heart of the home combines practicality with modern convenience, featuring quality upgrades including a 2021 AO Smith hybrid water heater, Whirlpool commercial-grade washer, double oven, and energy-efficient appliances — all chosen with longevity and comfort in mind. Even the septic system has been recently serviced (November 2024), offering valuable peace of mind. Step outside and the magic continues. The spacious yard invites you to create your own outdoor sanctuary — imagine flourishing vegetable gardens, wildflowers, yoga mornings, a hammock beneath the trees, evenings under string lights, or even a future pool retreat. Two raised gardening beds are already in place, waiting for fresh herbs, tomatoes, sunflowers, or whatever inspires your green thumb. The charming breezeway carport adds both convenience and personality, enhancing the relaxed character of the property. This is more than a house — it’s a place for dreamers, plant lovers, peaceful souls, and anyone who believes home should feel like a sanctuary. A rare opportunity to own a beautifully upgraded retreat where you can slow down, breathe deeply, and truly feel at home. Located just minutes from Gemini Springs Park, Blue Springs State Park - famous for manatees, kayaking, crystal clear spring waters, Lake Monroe Park- waterfront views, boating access, fishing and scenic sunsets, Green Springs Park, St. Johns River - access for boating, wild life watching, and eco adventures. Only minutes from DeBary Sunrail Station - convenient commuter rail access to Sanford, Winter Park, Downtown Orlando, Adventh Health Hospital, Kia center and Kissimmee. New Smyrna Beach is 40 minutes drive and Daytona Beach is 45 minutes drive.
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.
