VA loan
1 of 65
VA loan
$769,000 SIGNIN

Sign in to see required down payment for the 4.67% rate

13102 Foxtail Fern Dr, Riverview, FL 33579

5 beds · 3 baths · 3,396 sqft

Concierge

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

Motivated Sellers, moving out of state. An assumable loan at 4.625% can be used to offset costs for any buyer who qualifies. This stunning Westbay Avocet II pool home sits on a coveted corner lot in the desirable Triple Creek community and features 5 bedrooms, 3 full baths, a 3-car garage, and 3,396 square feet of thoughtfully designed living space. Showcasing an open-concept layout and countless upgrades, this residence blends comfort with refined elegance. The chef’s kitchen is a true showstopper with quartz countertops, upgraded cabinetry, an extended island, new backsplash, under-cabinet lighting, new sink, refrigerator, and an induction stove—perfect for entertaining or daily living. A private guest suite on the main floor offers convenience and privacy, with a full bath just steps away. Under-stair custom shelving adds valuable pantry space, while luxury vinyl plank flooring flows seamlessly throughout the home. Upstairs, an expansive bonus room includes a bar with cabinetry, countertop, wineador, surround sound, and floating crown molding with accent lighting—an ideal space to relax or host. The oversized owner's suite features a sitting area, spa-inspired ensuite bath with a large walk-in shower, dual granite vanities, water closet, and a custom walk-in closet. The remaining bedrooms are generously sized with ample closet space and natural light. Step outside to a backyard oasis featuring a new heated saltwater pool, travertine deck, screened enclosure, covered lanai, outdoor lighting, and a pool safety fence (removed for photos). The home also includes a traditional dry sauna, a full-home water softener and filtration system, Vivint security and camera system, and a modernized laundry room with upgraded cabinets, countertops, sink, and newer washer and dryer. The garage has been enhanced with heavy-duty shelving for additional storage and a freshly painted garage door. Located in the resort-style community of Triple Creek, residents enjoy access to multiple swimming pools, fitness centers, clubhouses, dog park, basketball and tennis courts, scenic walking trails, and more. With easy access to Tampa, St. Pete, beaches, shopping, and dining, this home offers the best of Florida living in a luxurious and functional setting.

Estimated
Seller's interest rate
4.67%
7%
Estimated
Monthly payment

$4,671
$5,645
You may also save up to $315,420 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 $5,645 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
4.67%
Remaining term
27 yrs
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$4,671
Principal & interest
$3,669
Mortgage insurance
-
Property taxes
$297
Home insurance
$698
HOA fees
$5
Utilities
Not included

Source: Public records

Home details
Size
3,396 sqft
Lot size
0.21 acres
Year built
2019
Type
Single Family Residence
HOA dues
$5.51

Source: STELLAR #TB8372782

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: May 06, 2025 01:26 pm
Listing agent: Ryan Bogden (727) 310-1096
Listing provided courtesy of: KELLER WILLIAMS ST PETE REALTY (727) 894-1600
Details provided by STELLAR and may not match the public record.
MLS ID: #TB8372782
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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$4,671
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