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14531 Golden Harbor Ln, Winter Garden, FL 34787

4 beds · 3 baths · 2,060 sqft

Under contract-accepting backup offers. Welcome to this stunning home located in the desirable Watermark community, where modern style meets practical living. Step onto the covered front porch and into a meticulously maintained interior that promises both comfort and elegance. Upon entry, the living room and kitchen combination sets a welcoming tone, perfect for everyday gatherings. A separate dining room provides an intimate setting for more formal occasions. The kitchen is a chef’s delight, featuring undercabinet lighting, quartz countertops with a breakfast bar, stainless steel appliances, a stylish tile backsplash, and a convenient walk-in pantry. Ideal for guests, a half bath is conveniently located off the kitchen. Ascend to the second floor where a loft space awaits, complete with stylish built-in shelves and glass enclosed cabinets, perfect for showcasing your treasures. The primary suite is a retreat unto itself, boasting a large walk-in closet with built-in drawers and shelves. The en suite bath creates a spa-like ambiance with separate quartz-topped vanities and a beautifully tiled shower. Three additional bedrooms on this level share a full bath with a dual quartz-topped vanity and a tub/shower combo. For added convenience, the laundry room includes a utility sink and is situated on the second floor. The Watermark community offers an array of amenities including a zero-entry resort-style pool, splash pad, clubhouse, gym, tennis courts, basketball courts, and a park. Notably, residents can enjoy an amphitheater with an observatory spot for viewing the nightly fireworks at Walt Disney World Resort. Conveniently located near The Mark Shopping Center, you’ll have easy access to exceptional dining and shopping options. With proximity to Disney, State Road 429, I-4, and the turnpike, this location offers unparalleled convenience for commuting and entertainment. This exquisite property is everything you've been searching for, seamlessly blending impeccable style, prime location, and an array of wonderful amenities. Discover unparalleled comfort and luxury in every corner. Schedule your tour today and experience the epitome of modern living. <iframe width='853' height='480' src='https://my.matterport.com/show/?m=stYrxPHxhkT' frameborder='0' allowfullscreen allow='xr-spatial-tracking'></iframe>

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
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Details
Home
Size
2,060 sqft
Lot size
0.07 acres
Year built
2018
Type
Single Family Residence

Source: STELLAR #o6217275

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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 580, 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.

Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

How can you find assumable mortgage listings?

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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 “Get Notified” 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.

How do I qualify for an assumable mortgage?

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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 580, 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: Oct 08, 2024 08:02 am
Listing agent: Abby Nelson (407) 571-1445
Listing provided courtesy of: RE/MAX 200 REALTY (407) 629-6330
Details provided by STELLAR and may not match the public record.
MLS ID: #o6217275
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.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.