Discover this stunning Mediterranean-style estate in Seffner’s most desirable gated executive community, Toulon. Situated on a 0.6 acre lot with no front or back neighbors and a serene water view, this home offers elegance, privacy, and versatility for every lifestyle. From the moment you arrive, the meticulously landscaped front yard, three-car garage, and elegant double column entryway set the tone for what’s inside. Step through the 8-foot entry glass door into a soaring foyer accented by a wooden staircase, flanked by a formal living and dining room on one side and a convenient laundry room and half bath on the other. This home shows like a model and delivers WOW factor at every turn. The open floor plan centers around a spacious family room and a brand-new gourmet kitchen (2025) featuring stylish white/gray Quartz countertop and backsplash. The kitchen island features breakfast bar stainless steel appliances, cooktop range, double built-in oven and walk-in pantry. Kitchen also features an eat-in area, both kitchen and family room overlook the lanai, pool, and pond. Flooring includes engineered hardwood and ceramic tile in warm tones throughout the common and wet areas. Brand new carpet (2025) in the owner’s suite and secondary bedroom. The luxurious primary suite, located on the main level for privacy, offers walk-in closet, Garden tub, separate walk-in shower and dual vanities Upstairs, enjoy a spacious loft, a media room (perfect for a theater or gym), and three additional bedrooms and two bathrooms. One bedroom comes with an ensuite bath and a built-in office. Step outside to a screened lanai designed for relaxation and entertaining. There is a sparkling pool with waterfalls, pavers, complete with outdoor kitchen & covered seating. Beyond the pool, you have an oversized lot with a pond view. The screened enclosure ensures year-round enjoyment, extending your living space outdoors. The three car garage has built-in shelving & overhead storage. An irrigation well was installed in 2022 that saves a ton of money on the water bill. Additionally, the well is pre-plumbed for a possible primary water source. The house had recent interior/exterior paint, polished hardwood floors, and tile roof cleaning (2025). This home is proudly occupied by its original owners, who have meticulously maintained every detail, reflecting true pride of ownership throughout. Toulon offers beautifully landscaped grounds, ponds, and sidewalks in a secure gated setting. Conveniently located near I-4 and I-75, you’re minutes from Tampa’s best shopping, dining, and entertainment. This home truly shines inside and out! Explore the video tour, interactive 3D walkthrough, and detailed floor plan available with this listing. Schedule your private showing today, this one won’t last!
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.
