1710 Hibiscus Cir N, Oldsmar, FL 34677
3 beds · 2 baths · 1,580 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome Home to Your Florida Oasis! Step into this stunning 3-bedroom, 2-bath pool home located in the highly sought-after Harbor Palms community! This beautiful home offers the perfect blend of comfort and style with a spacious great room floor plan featuring a wood-burning fireplace—ideal for cozy family evenings or entertaining guests. The updated kitchen overlooks your sparkling private pool, complete with stainless steel appliances, crisp shaker cabinets, and ample storage. Enjoy meals in the charming dining area, which boasts a built-in coffee bar and wine fridge, plus French doors that lead you right outside. The primary suite offers a peaceful retreat with a walk-in closet and a beautifully updated ensuite featuring a walk-in shower and stylish vanity. A split floor plan provides privacy, with two additional bedrooms and a second fully updated bathroom that share the home’s modern, warm ambiance. Convenience meets function in the spacious indoor laundry room with a utility sink and washer/dryer included. Outside, live your best Florida life in a fully fenced oversized yard with vinyl fencing, sparkling pool, turfed fire pit area, and an oversized patio umbrella—perfect for both relaxing and entertaining. Whether you're hosting friends or soaking up the sun solo, this outdoor oasis is sure to impress. Don't miss the outdoor sound system! No HOA! Absolutely NO water intrusion from storms – this home sits high and dry! Location, location, location! Just moments from Harbor Palms Nature Park, enjoy kayaking, disc golf, and scenic walking/biking trails. Nestled in the heart of Oldsmar, you're close to everything the Tampa Bay area is known for—shopping, restaurants, hospitals, and just a short drive to Tampa International Airport. Don't miss your chance to own this piece of paradise. Schedule your private tour today!
Source: STELLAR #TB8377727
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 #TB8377727
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.