22223 Yachtclub Ter, Land O Lakes, FL 34639
4 beds · 3 baths · 2,574 sqft sqft
One or more photo(s) has been virtually staged. Welcome to your Florida dream POOL home! This spacious 4-bedroom, 3-bathroom property with a dedicated DEN/OFFICE space offers the perfect blend of modern convenience and traditional charm, all with a LOW HOA and NO CDD . Spanning 2,574 SQUARE FEET , this CARPET-FREE home boasts an open floor plan that seamlessly connects the living areas, while the separate formal dining room, adorned with elegant columns, adds a touch of tradition and character. The kitchen is a chef's delight, featuring ample counter space and a centrally located cooking island, perfect for preparing your favorite meals. The expansive primary bedroom includes an attached en suite bathroom with a separate tub and shower, creating a relaxing retreat at the end of the day. The den/office is equipped with built-in shelving, providing a functional and stylish workspace for those working from home. Step outside through the sliding doors into your own outdoor paradise, complete with an ENCLOSED SALTWATER POOL (upgraded with a new pump in 2024) and a low-maintenance PAVED BACKYARD (also upgraded in 2024). The space includes a small turf area for added greenery, and a brand-new fence (2024) for extra privacy. For convenience, the third bathroom offers direct access from the outdoor area—ideal for poolside gatherings! Located in the heart of Land O’ Lakes, this home is just 6 miles from the Tampa Premium Outlets and I-275, and less than 10 miles from the Veterans Expressway, offering easy access to dining, shopping, and more!
Source: STELLAR #tb8306852
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8306852
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 30-day close.
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.
What is Roam?
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?
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?
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?
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?
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.
MLS ID: #tb8306852
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.