Welcome to 945 Gordon Avenue, a beautifully maintained 4 bedroom, 3 bath home offering the perfect blend of historic character, modern updates, and small town Florida living. Built in 1915 and thoughtfully updated in 2019, this unique property features about 1,750 square feet of living space, including two primary suites, making it ideal for multi-generational living, guests, a home office setup, or growing families seeking flexibility. Inside, you'll find an open concept layout with tall ceilings, quartz countertops, shaker style soft close cabinetry, stainless steel appliances, updated bathrooms, and a spacious kitchen designed for both everyday living and entertaining. Natural light fills the home while modern upgrades provide the comfort and functionality today's buyers are looking for. Major improvements have already been completed, including a newly installed and fully permitted septic system, professionally maintained HVAC system, and numerous cosmetic and functional updates throughout the property. Step outside and discover what truly makes this property special. Situated on a generous lot with no HOA, the backyard offers a rare opportunity to enjoy a homestead inspired lifestyle right in town. The property includes raised garden beds, a custom built predator resistant chicken coop, and plenty of space for gardening, outdoor hobbies, pets, or simply enjoying your own private retreat. Location is everything, and 945 Gordon Avenue places you in the heart of one of Polk County's most charming and historic communities. Enjoy easy access to Downtown Bartow, Friday Fest community events, public parks, schools, restaurants, shopping, grocery stores, medical facilities, and everyday conveniences. Outdoor enthusiasts will appreciate being just minutes from Circle B Bar Reserve, one of Central Florida's premier destinations for hiking, wildlife viewing, and nature exploration. Bartow's strategic location at the crossroads of US-98 and Highway 60 provides convenient access to Lakeland, Winter Haven, Lake Wales, Tampa, Orlando, and the rapidly growing opportunities throughout Central Florida. If you've been searching for a move-in-ready home with character, modern updates, homestead potential, and the freedom that comes with no HOA, 945 Gordon Avenue offers a rare opportunity to enjoy the best of both old Florida charm and modern living.
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.
