Welcome to your private retreat in the highly sought-after Epperson Lagoon Community, the first crystalline lagoon community in the United States. This impressive two-story residence offers 4,210 square feet of thoughtfully designed living space, blending modern elegance, comfort, and a lifestyle that feels like a permanent vacation. Step inside to soaring ceilings, abundant natural light, and an open layout that flows effortlessly from room to room. The gourmet kitchen is a centerpiece with stainless steel appliances, quartz countertops, and a sleek central island overlooking the bright gathering room with expansive pool views. The first-floor owner’s suite is a spacious retreat with large windows framing the pool and a spa-inspired bathroom designed for relaxation. Two additional bedrooms, a versatile flex room, and two more full baths complete the downstairs living areas. Upstairs, you’ll discover two additional bedrooms, a full bath, a huge loft, and a media room that offer endless possibilities for entertainment, family living, or a dedicated work-from-home setup. The home’s flooring enhances both style and functionality, with wood-look tile throughout the main floor living areas and plush carpeting in the loft, media room, and bedrooms for comfort. The outdoor living space is built for enjoyment year-round. A heated pool and spa take center stage, complemented by a covered lanai and a complete outdoor kitchen that makes entertaining effortless. The fully fenced backyard provides privacy and space for both relaxation and recreation. Additional features elevate the home’s convenience and value, blinds, designer lighting, a Rainbird irrigation system, and a three-car garage with overhead storage solutions. Wired speakers throughout the home make it easy to enjoy music in every living space. Epperson Ranch offers a truly unique lifestyle with its seven-acre crystal lagoon, unlimited household access, and annual guest passes. The community also includes Eagle’s Nest Park, Elam Park, a dog park, golf cart paths, and family-friendly events. High-speed internet and cable are included in the HOA, making daily living seamless and connected. The location offers the best of Wesley Chapel living, with top-rated schools, shopping at The Shops at Wiregrass and Tampa Premium Outlets, an array of dining options, and convenient access to major highways for easy commutes across the Tampa Bay area. This home is more than just a place to live—it is an opportunity to enjoy resort-style amenities and everyday comfort in one of Florida’s most desirable communities. Schedule your private showing today and see why Epperson Lagoon living is truly one-of-a-kind.
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.
