12889 Burns Dr, Odessa, FL 33556
4 beds · 3 baths · 2,799 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Luxurious 4-Bedroom Home with Saltwater Pool & Designer Touches Throughout Welcome to this stunning 4-bedroom, 2.5-bathroom home that perfectly blends comfort, style, and functionality. The heart of the home is the gourmet kitchen, a true showstopper featuring stylish fixtures, stainless steel appliances, high-end quartz countertops with artistic details, a large island, and a cozy eat-in nook—ideal for everything from quick breakfasts to weekend entertaining. Additional highlights include a custom range, under-cabinet lighting, a striking herringbone backsplash, and custom wood accents in the adjacent dining area. The inviting family room offers a built-in fireplace and is pre-wired for surround sound, creating the perfect atmosphere for relaxing or entertaining. Upstairs, you’ll find a thoughtfully designed layout with the owner’s suite privately split from the three guest bedrooms. The oversized owner’s retreat features a custom fireplace wall, wood accent feature, and a luxury en suite bathroom complete with a soaking tub, frameless glass walk-in shower, dual vanities, and a custom walk-in closet organization system. Three additional guest bedrooms—two with closet organizers—share a full guest bath with dual vanities. A bonus room upstairs adds extra flexibility, complete with its own built-in fireplace feature. Step outside into your own private oasis. The fully turfed backyard includes a saltwater pool with a gas heater, sealed paver decking, and a custom-built patio feature wall—ideal for outdoor gatherings. The covered front porch and entry feature oak tongue-and-groove ceilings and a custom-built swing, adding charm and curb appeal. Additional highlights. Custom stairs with wood treads and white risers,Epoxy-coated garage floor, overhead storage, and MyQ smart garage opener. Terrace TV included with full-price offer. Water softener and Vivint smart security system. Entry drop zone for everyday convenience. New carpet in three bedrooms and LVP flooring throughout the rest of the home. Sealed paver driveway, custom curbing, and upgraded landscaping. Elegant stone exterior and tile roof for timeless style. This home offers the perfect balance of luxury, function, and thoughtful upgrades—ready for you to move in and enjoy. The community includes 3 swimming pools,a child’s splash pad, top rated magnet elementary and middle schools. Public library, Tennis courts, district sports complex, restaurants, shopping and a quick trip to Starkey Market. Schedule to see this amazing home today!
Source: STELLAR #W7874930
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 #W7874930
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.