VA loan
1 of 82
VA loan
$510,000 SIGNIN

Sign in to see required down payment for the 2.625% rate

10230 Highland Park Pl, Palmetto, FL 34221

3 beds · 2 baths · 1,920 sqft

Concierge

Get a free consultation call with an expert in the mortgage assumption process.

NEW PRICE! Welcome to this wonderful home located in the highly desirable Esplanade of Artisan Lakes in North Manatee County. This Arezzo model has 1,926 sq.ft. of living area with 3 bedrooms, 2 bathrooms, a den/study with pocket doors and a separate dining room. As you enter into the home you will be drawn to the bright and spacious living area that includes the kitchen and dining room. There are 10’ ceilings and 8’ doors throughout the home, as well as tray ceilings in the living area, dining room and the Owner’s suite. The extended lanai looks out to a panoramic gorgeous lake view through a borderless 30’x23’ screened-in lanai. The outdoor kitchen makes this a perfect space for enjoying nightly sunsets and entertaining. The TV and mini frig stay with the home. The efficient U-shaped kitchen offers lots of space with quartz countertops, 42” cabinets with under mount lighting and a new microwave and dishwasher that comes with a 3-year warranty. The owner’s suite has tiled floors and a bay window that overlooks the lake. The en-suite bathroom has quartz countertops and dual sinks, with a borderless glass walk-in shower and a spacious walk-in closet. Bedrooms 2 and 3 are at the front of the home and both have tile floors. The second bedroom is adjacent to the second bathroom and can become an en-suite bathroom. This bathroom has dual sinks, a combination tub/shower and quartz countertops. The office/den has pocket doors and a TV that stays with the home. The laundry room has a sink and lower cabinets. The home has a new water heater and a new compressor in the HVAC and the walls have been recently painted. Home ownership in the Esplanade entitles your family and guests to full access to all of the wonderful amenities. The community center has a state-of-the-art fitness center and an on-site lifestyle director to coordinate special events and activities. You can enjoy the beautiful resort-style swimming pool with cabanas, a resistance pool, a hot tub, an outdoor fire pit, tennis courts, pickleball and bocce ball, all in a park-like setting. There are walking trails, dog parks and a playground. The second amenity center is called “ The Venue” and it has a beautiful pool and hot tub. Inside is a gathering place for games, club meetings and in a separate area is a room with large TV’s, a pool table and ping pong. The HOA provides all of these great amenities plus cable TV, internet service, yard maintenance and irrigation. Don’t wait to build! Don’t let this one get away!

Estimated
Seller's interest rate
2.625%
7%
Estimated
Monthly payment

$2,436
$3,159
You may also save up to $224,260 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.


Open house
May 4 • 1PM - 4PM
Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $3,159 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
2.625%
Remaining term
25 yrs and 10 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,436
Principal & interest
$1,266
Mortgage insurance
-
Property taxes
$213
Home insurance
$463
HOA fees
$492
Utilities
Not included

Source: Public records

Home details
Size
1,920 sqft
Lot size
0.18 acres
Year built
2019
Type
Single Family Residence
HOA dues
$492.45

Source: STELLAR #A4645671

Qualify

To qualify, you must meet the current FHA or VA 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%. 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.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

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.

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 620, 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.

View all FAQs
Last updated: May 03, 2025 01:30 pm
Listing agent: Monica Dixey, PLLC (615) 943-8857
Listing provided courtesy of: COLDWELL BANKER REALTY (941) 739-6777
Details provided by STELLAR and may not match the public record.
MLS ID: #A4645671
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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$2,436
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