105 Locust Dr, Brandon, FL 33511
4 beds · 3 baths · 3,124 sqft
Words can hardly capture the essence of this extraordinary home, but “captivating,” “picturesque,” and “cozy” only begin to describe its charm. Nestled in the tranquil and highly sought-after Dogwood Hills community near the scenic Alafia River, this property invites you to embrace the beauty of nature while relishing unmatched serenity. From the moment you arrive, you’ll feel the warm embrace of home. Surrounded by lush tropical landscaping, this property feels like a private retreat. The best part? Dogwood Hills offers a relaxed lifestyle with no HOA or CDD restrictions—perfect for bringing your boats, RVs, and outdoor toys! You'll appreciate the numerous upgrades, including a newer roof (2019), windows (2018), and a brand-new A/C (2023). Completely remodeled with meticulous attention to detail, this home is truly HGTV-worthy. Step outside to a breathtaking travertine lanai with custom pine ceiling planks, where you’ll find a built-in wine bar, expansive seating area, outdoor kitchen, and sparkling pool—an entertainer’s paradise! Beyond the lanai, a true outdoor haven awaits: artificial turf (installed in 2023), a fruitful greenhouse, a cozy wood-burning fireplace with a gazebo, and charming pavered pathways that seamlessly connect every corner of this backyard oasis. Inside, the home continues to impress. The formal dining room features beautiful hardwood floors and stunning backyard views—ideal for hosting memorable gatherings. A flexible front room features a beautiful wall-mount fireplace offering endless possibilities as a home office, sitting area, or music room. At the heart of the home is the remodeled kitchen, a chef’s dream featuring quartz countertops, elegant wood cabinetry, a reverse osmosis system, a large center island, black stainless appliances—including a double oven and gas range—breakfast bar, and a bright breakfast nook. Adjacent, the spacious family room boasts a wood-burning fireplace (remodeled in 2024) and custom wood built-ins, all with serene views of the tropical landscaping. The primary suite, tucked away for ultimate privacy, offers a peaceful retreat with custom plantation sliders leading to the lanai, a walk-in closet, and a spa-like remodeled bathroom with a walk-in shower and standalone tub. On the opposite side of the home, two spacious bedrooms share a stylishly remodeled bathroom, while a fourth bedroom features its own private pocket slider and an en-suite bathroom with a walk-in shower—perfect for guests or in-laws. But there’s more! The garage is designed to impress, featuring custom-clipped-together flooring, a pine plank ceiling, and sleek cabinetry with sliding doors—ideal for a man cave or organized workshop. This stunning property must be experienced to be fully appreciated. With unparalleled design, lush landscaping, and countless upgrades, this home offers a lifestyle of luxury, comfort, and tranquility. Don’t miss the opportunity to make it yours! Tour the home virtually with this link: my.matterport.com/show/?m=8t5S7CZ9DzT&mls=1
Source: STELLAR #TB8343565
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8343565
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.