19796 Long Lake Ranch Blvd, Lutz, FL 33558
4 beds · 3 baths · 2,190 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Situated on a premium pond-view home site in the coveted Long Lake Ranch Village of Lutz, this elegant 4-bedroom, 3-bath, 2-car garage home showcases 2,190 sq ft of beautifully crafted open concept living space. Built by MI Homes in 2016, the 2-story Magnolia floor plan blends thoughtful design with upscale features. A brick paver driveway and walkway, framed by swaying palm trees and lush landscaping, lead to a stately front portico entrance flanked by columns. Roof, Water Heater, Water Softener & Exterior paint (2024) and Interior paint (2025)! An impressive, light-filled foyer with soaring ceilings and wide plank wood-tone tile flooring creates a striking first impression, leading to a graceful wood staircase that anchors the home’s stylish interior. Just off the foyer, a first-floor bedroom makes the perfect guest retreat or home office, complete with a full bath right next door featuring a tub/shower combo and Granite-topped vanity. At the heart of the home, the gourmet kitchen shines with tall espresso cabinets topped with crown molding, sleek stainless hardware, Granite countertops accompanied by a subway tile backsplash. A full suite of stainless appliances includes a built-in oven and microwave, refrigerator, dishwasher, and cooktop—all designed to make cooking effortless. An expansive counter-height island with pendant lighting provides the perfect spot for enjoying morning coffee or gathering with guests. A spacious walk-in pantry adds to the kitchen’s functionality and storage. Just beyond, the cafe area features double sliding glass doors that open to the lanai, framing tranquil backyard and pond views that create a seamless indoor-outdoor living experience. The family room offers a welcoming atmosphere, featuring recessed lighting, a ceiling fan and a stone-accented wall, thoughtfully designed to center the space. From the foyer, ascend the staircase to the second floor, where you’ll find two well-sized secondary bedrooms that share a full bath complete with a Granite topped vanity and tiled tub/shower combo. A convenient upstairs laundry room with upper cabinets provides added storage. The primary suite is a serene sanctuary highlighted by a tray ceiling, windows framing peaceful pond views, dual closets, and a spa-inspired ensuite bath featuring double Granite-topped vanities, undermount sinks, a garden soaking tub, and separate walk-in shower, and private water closet. Step outside to the extended covered lanai where you can enjoy peaceful mornings, lively gatherings, or simply take in the beauty of Florida sunsets overlooking the lush backyard and sparkling pond. This outdoor space is perfect for both relaxing and entertaining. Residents of Long Lake Ranch enjoy resort-style amenities, including a resort-style pool with splash zone, clubhouse, two party rooms, tennis and basketball courts, dog park, playground, picnic areas, and miles of scenic walking trails. The community’s 40+ acre lake features a fishing dock and non-motorized boat launch, creating the perfect blend of recreation and nature. Located in Pasco County, residents enjoy A+ rated schools, proximity to shopping, dining, and easy access to the Suncoast/Veterans Expressway. You’ll enjoy an easy commute to Tampa International Airport, vibrant downtown Tampa, and Florida’s award-winning Gulf beaches. Don’t miss the opportunity to own this upgraded pond-view home in one of Lutz’s most sought-after communities.
Source: STELLAR #TB8373282
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 #TB8373282
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.