11938 Bahia Valley Dr, Riverview, FL 33579
4 beds · 3 baths · 2,437 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Located in the peaceful and highly desirable Reserve at Pradera, this stunning 4-bedroom, 3-bathroom home offers a perfect combination of style, comfort, and convenience—just moments from shopping, dining, and entertainment. Step inside and fall in love with the open floor plan, designed for modern living and filled with an abundance of natural light. Tile flooring flows throughout the main living areas, while soaring tray and vaulted ceilings add a touch of elegance. The living room features large windows, an electric fireplace, and a seamless connection to the kitchen and dining spaces, making it perfect for both everyday living and entertaining. The heart of the home is a chef’s dream kitchen, complete with stainless steel appliances, granite countertops, a tile backsplash, under-cabinet lighting, a large island with breakfast bar seating, and a spacious walk-in pantry. The open layout allows conversations and connections to flow from the kitchen to the dining area and beyond. Upstairs, a generous loft provides a flexible bonus space—ideal for a home office, media room, or play area. The luxurious primary suite offers a peaceful retreat with tray ceilings, soft carpeting, and an ensuite bathroom featuring dual vanities, a walk-in shower, and ample closet space. The additional bedrooms are spacious and share beautifully appointed bathrooms. Enjoy the best of Florida living in your private, fully fenced backyard. A screened-in, covered lanai overlooks a serene pond with no rear neighbors, creating a tranquil outdoor space for morning coffee or evening relaxation. This smart home also features hurricane shutters, a video doorbell, coded entry, and other thoughtful tech touches. As a resident of The Reserve at Pradera, you'll have access to resort-style amenities including a luxury pool, clubhouse, walking trails, dog park, playground, soccer field, and basketball courts—everything you need for an active lifestyle. Move-in ready and beautifully maintained, this home offers bright, open spaces and a layout that lives beautifully. Come see why 11938 Bahia Valley Drive is the perfect place to call home!
Source: STELLAR #TB8379107
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 #TB8379107
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 and Equal Opportunity Act.