VA loan
1 of 46
VA loan
$675,000 SIGNIN

Sign in to see required down payment for the 3% rate

1025 Royal Troon Ct, Tarpon Springs, FL 34688

3 beds · 3 baths · 3,020 sqft

Experience unparalleled elegance and comfort in this one story, 3 bedroom, 3 bath attached single family villa tucked away in the impressive Cypress Run golf community of Tarpon Springs. Every detail of this residence has been meticulously crafted, showcasing high-end finishes & well-planned design such as custom cabinetry, expansive, rich hardwood flooring, plantation shutters, elegant fixtures, & timeless stone & quartz countertops and floors, all complemented by oversized windows & soaring ceilings providing an abundance of natural light that enhance the refined ambiance. No detail has been overlooked, every element is designed to foster a lifestyle of distinction. You’ll be impressed from the moment you drive in to the lushly landscaped golf course community through the secure guarded gate, driving past the Cypress Run clubhouse w/restaurant & pro shop, the range, tennis courts & the estate homes. Upon entering through the grand double door entrance & formal foyer, you’ll appreciate so many more wonderful features of this unique 3020 sqft residence including split bedroom locations & an open, yet functional flowing floor plan that is ideal for hosting gatherings & entertaining guests. The modern kitchen boasts an extra-large island that serves as the stylish centerpiece of the functional space, stainless steel appliances, gas range & plenty of storage. The huge, formal living room offers a dramatic gas fireplace & wet bar. The dining room can host your whole group at an extra-large table w/room to spare. The large family room area features floor-to-ceiling wall-to-wall windows, offering panoramic views of the serene natural back drop w/NO rear neighbors & a large, screened, covered porch that seamlessly connects indoor & outdoor living. At the heart of the home lies a stunning central atrium courtyard patio, providing a private, tranquil outdoor retreat perfect for relaxation or intimate gatherings. The thoughtfully designed floor plan ensures privacy & convenience, featuring a grand primary bedroom w/soaring ceilings, wood floors, walk in closet, showplace ensuite bathroom w/double sink vanity, large glass enclosed marble shower & separate water closet. An additional king size ensuite guest room & bathroom with tub/shower are ideal accommodations for full time or overnight guests & yet a third bedroom & third full bathroom are available to use as you wish. For the golf enthusiast, the property includes an oversized three bay garage (two-car stall & additional golf cart stall), catering to both vehicle storage & golfing needs. There is also a functional workshop space & separate laundry room w/utility sink & ample cabinet storage). The community pool is conveniently located. Association fees cover secure guarded gate, resident only gate access, yard maint, trash, common ground maint, pool, escrow reserves & more. This villa home is nestled along the preserve of the 14th hole of the renowned Cypress Run Golf Course. Residents have the option to join the club as a golf, tennis, or social member & are offered discounted rates w/this home purchase. Enjoy access to a championship 18-hole course & amenities. Take advantage of all the best of Tampa Bay living being located just minutes from the historic Tarpon Springs Sponge Docks & iconic Lake Tarpon w/direct commute to the Gulf Beaches, both Tampa Airport & St. Pete/Clearwater Airport. Experience unparalleled elegance & comfort in this stunning Cypress Run villa.

Estimated
Seller's interest rate
3%
7%
Estimated
Monthly payment

$2,988
$3,788
You may also save up to $241,781 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.

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 $3,788 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
3%
Remaining term
25 yrs and 2 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,988
Principal & interest
$1,622
Mortgage insurance
-
Property taxes
$215
Home insurance
$613
HOA fees
$537
Utilities
Not included

Source: Public records

Home details
Size
3,020 sqft
Lot size
0.17 acres
Year built
1984
Type
Townhouse
HOA dues
$537.30

Source: STELLAR #S5124250

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: Apr 17, 2025 07:28 am
Listing agent: Breeze McIntee (727) 643-2146
Listing provided courtesy of: LANDCRAFT REALTY GROUP, LLC (727) 643-2146
Details provided by STELLAR and may not match the public record.
MLS ID: #S5124250
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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