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11405 Alachua Creek Ln, Riverview, FL 33579

3 beds · 2 baths · 2,095 sqft

Concierge

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

Under contract-accepting backup offers. Welcome to this beautiful 3-bedroom, 2-bathroom home with a bonus den in Riverview, Florida, located in the sought-after community of Carlton Lakes. Boasting 2,095 square feet of living space, this home offers plenty of room to spread out and enjoy. The versatile den, complete with French doors, can easily serve as an office or be converted into a 4th bedroom to suit your needs. The interior of the home features elegant porcelain tile throughout, with plush carpet in the bedrooms for added comfort. As you enter, you’ll be immediately captivated by the open floor plan that seamlessly connects the kitchen, dining room, and living room—perfect for entertaining. The kitchen is a chef's dream, featuring a spacious center island, beautiful tile backsplash, and all stainless-steel appliances. The living room is enhanced by tray ceilings and a sliding glass door that opens to your outdoor oasis, bringing in an abundance of natural light. The primary bedroom offers a private retreat with an en suite bathroom, complete with dual sinks and a large, walk-in tiled shower. Outside, you'll enjoy the covered patio and fully fenced backyard, ideal for relaxation or outdoor activities. As a resident of Carlton Lakes, you'll have access to two scenic lakes surrounded by walking trails, an outdoor amphitheater, BBQ area, clubhouse, fitness center, and a pool, offering endless opportunities for recreation and leisure. This charming home provides both comfort and convenience in a vibrant community—don't miss your chance to make it yours!

Location
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Loan details
Monthly payment

All values shown are estimated costs / mo.

Total
$1,942
Principal & interest
$1,225
Mortgage insurance
-
Property taxes
-
Home insurance
-
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
2,095 sqft
Lot size
0.15 acres
Year built
2019
Type
Single Family Residence
HOA dues
$6.00

Source: STELLAR #TB8369585

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 30, 2025 12:25 pm
Listing agent: Jason Randall (813) 686-3058
Listing provided courtesy of: REDFIN CORPORATION (617) 458-2883
Details provided by STELLAR and may not match the public record.
MLS ID: #TB8369585
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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