2387 Bartolo Dr, Land O Lakes, FL 34639
5 beds · 4 baths · 3,850 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Style, space, and sophistication come together in this stunning residence located in the highly sought-after Enclave at Terra Bella in Land O’ Lakes. This impressive 5-bedroom, 4-bathroom, 3-car garage home features an in-law/guest suite on the first floor and spans 3,857 square feet of thoughtfully designed living space. From the moment you arrive, this two-story home commands attention with its classic architecture—featuring a stone-accented portico entry, columned front porch, contrast banding, decorative shutters, and coach lights. From the moment you arrive, this two-story home makes a lasting impression with its timeless architectural details—including a stone-accented portico entry, columned front porch, contrast banding, decorative shutters, and charming coach lights. Step through the glass front door flanked by sidelights and into a grand interior where elegance abounds. Soaring vaulted ceilings, tray ceilings, crown molding, graceful archways, and oversized ceramic tile flooring on the first level living areas set the stage, while luxury wide plank vinyl adds warmth and style upstairs. The formal living and dining rooms set a sophisticated tone, while the expansive family room flows seamlessly to the chef-inspired kitchen. This beautifully appointed space boasts granite countertops, 42” cabinetry topped with crown molding and decora display space above, a tile backsplash, stainless steel appliances, recessed lighting, and crown molding. A casual dining area and an oversized breakfast hi-bar with pendant lighting makes this space perfect for relaxed everyday living and stylish entertaining. The first-floor in-law suite is a private retreat with durable laminate flooring, three walk-in closets, and a full ensuite bath with both a soaking tub and separate tiled shower. Upstairs, a spacious bonus room offers flexible space for a media room, game room, or home office. Double doors lead to the luxurious primary suite, featuring tray ceilings, crown molding, and a spa-like ensuite bath with dual granite-topped vanities, a garden tub, a walk-in tiled shower with Listello accents, and a private water closet. Three additional generously sized bedrooms, two additional full bathrooms, and a convenient upstairs laundry room complete the second floor. Step outside to your private screened lanai, where relaxation meets wellness in a medical-grade therapeutic hot tub. Designed for comfort and recovery, this premium spa features three interchangeable therapy inserts, lumbar support for targeted relief, soothing LED lighting, and customizable jet settings. Whether you're unwinding after a long day or enjoying a peaceful soak under the stars, this hot tub is a standout amenity. Just beyond, a spacious paver patio offers the perfect spot for lounging or entertaining. The fully fenced backyard, enclosed with durable PVC fencing (installed in 2017), is framed by lush greenery and maintained with a full sprinkler system. Community amenities include a sparkling pool, splash area, and shaded lounge spots—all just minutes from top-rated schools, shopping, dining, and major roadways like SR-54, I-75, and the Suncoast/Veterans Expressway. This is more than a home—it’s a lifestyle of comfort, convenience, and everyday luxury.
Source: STELLAR #TB8380761
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 #TB8380761
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.