15305 Fishhawk Preserve Dr, Lithia, FL 33547
5 beds · 4 baths · 3,620 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this extraordinary Mediterranean-inspired residence is the epitome of elegance, craftsmanship, and versatility—Nestled within the exclusive gated enclave of The Preserve at FishHawk Ranch. As you arrive, you’re greeted by breathtaking curb appeal—tile roofing, architectural corbels, and a charming gated courtyard complete with a tranquil water feature. Lush tropical landscaping and a welcoming wrought iron gate create a serene and private ambiance from the moment you enter. Inside, soaring 10-foot ceilings, wide archways, rich hardwood flooring, and extra-wide crown molding and baseboards set the stage for timeless sophistication. Tray ceilings in the foyer, dining room, family room, and primary suite add architectural elegance. The gourmet kitchen is a showpiece worthy of a design magazine—fully equipped with premium KitchenAid appliances, including a built-in oven and Sub-Zero refrigerator, a wine refrigerator, granite countertops, and a generously sized island with seating. 42-inch cabinetry with crown molding, soft-close drawers, and under-cabinet lighting blend functionality with finesse, making this kitchen as practical as it is visually striking. Tailored for today’s dynamic lifestyle, the home includes a versatile space with elegant glass-inset double doors- perfect as a home office or guest suite with a half bath across the hall and a versatile den/game room that can easily serve as a media lounge, playroom, or home office. The expansive primary suite offers a sanctuary of luxury, with French doors that open to the lanai and pool area, a custom walk-in closet, and a spa-like en-suite bath featuring extended granite countertops, abundant cabinetry, and a large walk-in shower designed for relaxation. The home's layout has been carefully designed for both privacy and flexibility. Two additional bedrooms are connected by a well-appointed Jack-and-Jill bathroom, while a separate fourth bedroom with its own full bath is ideal for guests, extended family, or live-in help. Each bath features granite countertops and espresso cabinetry, maintaining a consistent sense of style throughout. Step outside to an exceptional outdoor living space—your personal resort-style retreat. The custom Pebble Tec pool features an auto-fill system, sun deck with bubbling fountains, and a waterfall feature, all framed by classic brick pavers. A newly installed pool heater ensures year-round comfort. Even the garage reflects the home’s elevated standard, with sealed epoxy floors and professional built-in cabinetry. A whole-home water softener system adds an extra layer of convenience to this already immaculate property. Located in one of Tampa’s most coveted luxury communities, this home is surrounded by protected conservation land, mature oaks, and abundant wildlife. Residents enjoy access to four resort-style pools, tennis and basketball courts, miles of scenic walking trails, clubhouses, parks, and playgrounds, along with nearby grocery stores, shopping, banking, and top-rated schools. All of this is just an hour from Disney and Tampa’s world-class beaches, offering the perfect blend of luxury, comfort, and convenience. Copy and paste to tour home virtually: my.matterport.com/show/?m=eoRWpVTtNEL&mls=1
Source: STELLAR #TB8372122
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8372122
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.