2635 Wood Duck Vlg, Deland, FL 32720
4 beds · 2 baths · 3,145 sqft
Get a free consultation call with an expert in the mortgage assumption process.
DELAND: New roof (2020) | HVAC system (2021) | Hybrid 80-gallon water heater (2021) | Whole-house generator with a 300-gallon propane tank (owned) ************************************************************************************************* Located in a quiet cul-de-sac within the highly desirable Quail Hollow on the River community, this spacious 4-bedroom, 2-bathroom home offers the best of Florida living. Just one block from the St. Johns River, residents enjoy access to a private community boat ramp, clubhouse, and pool—perfect for those who love the outdoors. Set on over one-third of an acre, the home welcomes you with natural light, high ceilings, and character throughout. The updated kitchen with Hickory cabinets features new stainless steel appliances, including a never-used gas range and oven, electric wall oven, and smart storage features like built-in turntables and a tilt-out spice cabinet. Bamboo flooring, recessed lighting, and a built-in Bose speaker system enhance the main living areas, while French pine doors, natural wood trim, and transom windows add charm. The generous primary suite includes a large ensuite bath with a new jacuzzi tub (2021), glass-enclosed shower, and dual vanities. Three additional bedrooms offer flexibility for family, guests, or a home office. A 3-car garage with a custom pinewood workshop provides extra storage and work space. Enjoy peaceful mornings in the Florida room with skylights, or unwind on the screened porch overlooking the fenced backyard—a private bird sanctuary visited by cardinals, chickadees, painted buntings, and even Barred Owls. Tucked away but close to everything, this home is just 45 minutes to New Smyrna Beach, an hour from Orlando, and minutes to historic downtown DeLand. A rare combination of space, updates, and location—this home is ready for its next chapter.
Source: STELLAR #V4942180
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 #V4942180
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.