259 Mariposa, Winter Haven, FL 33884
3 beds · 2 baths · 1,443 sqft
Get a free consultation call with an expert in the mortgage assumption process.
One or more photo(s) has been virtually staged. Welcome to 259 Mariposa – Updated Comfort in a Charming Mediterranean-Inspired Community with NO Age Restrictions! Located in the desirable Orchid Springs community of Winter Haven, this beautifully updated 3-bedroom, 2-bathroom home blends modern comfort with timeless style. Featuring new luxury vinyl plank flooring throughout, freshly painted interiors, two renovated bathrooms, and updated plumbing (approximately 5 years ago), this move-in-ready residence offers easy living in a tranquil, lush setting. Orchid Springs is a Mediterranean-inspired neighborhood where tree-lined streets are graced by classic Spanish-style homes—known for their terracotta roof tiles, wrought iron accents, and warm stucco facades. The quaint community exudes character and charm, offering a picturesque backdrop for everyday life. Step inside and be welcomed by an expansive great room, the heart of the home. Vaulted ceilings with exposed wood beams create an open, airy atmosphere, while the atrium fills the space with natural light. It's the perfect setting for both relaxing and entertaining. The kitchen features ample counter space, a convenient closet pantry, and a breakfast bar for casual meals. Adjacent to the kitchen, the dining area is surrounded by windows and overlooks a private rear patio—making it an ideal spot for morning coffee, evening dinners, or a cozy Florida room retreat. An additional flexible space beyond the great room can serve as a secondary dining area, home office, or extended living room. Each of the three bedrooms is generously sized and filled with natural light. The primary suite is a peaceful retreat with plenty of room for a king-size bed and additonal furniture. The second bedroom features a custom sliding barn door and a walk-in closet, while the guest bedroom offers comfort for visitors or family. Both bathrooms have been tastefully remodeled. The primary bathroom boasts new modern floor tile, updated vanity, and fresh finishes. The guest bath is equally impressive with a walk-in shower enclosed in seamless glass, contemporary tilework, new vanity, and a Bluetooth speaker exhaust fan. Both spaces include updated lighting, hardware, and LED mirrors. Step outside to a private rear patio with a freshly painted privacy wall—ideal for sunbathing, grilling, or simply enjoying the peaceful setting. A two-car garage and a fully equipped laundry area with washer and dryer complete the home. Orchid Springs residents enjoy a community pool and clubhouse, perfect for morning swims or afternoon lounging. The neighborhood is lush, walkable, and offers a quiet retreat while remaining close to everything. Centrally located in Winter Haven, you'll enjoy nearby farmers markets, dining, medical facilities, Legoland FL and the iconic Winter Haven Chain of Lakes. Plus, you're just a short drive from Tampa and Orlando, offering access to airports, theme parks, and more. Schedule your private showing today and discover all that 259 Mariposa and Orchid Springs have to offer.
Source: STELLAR #P4934419
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 #P4934419
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.