VA loan
1 of 56
VA loan
$825,000 SIGNIN

Sign in to see required down payment for the 2.375% rate

3009 Sheehan Dr, Land O Lakes, FL 34638

4 beds · 3 baths · 3,187 sqft

Exquisite Arthur Rutenberg Custom Home in the Gated Enclave of Strathmore Village, Oakstead! Prepare to be impressed by this magazine-worthy, custom-built Arthur Rutenberg masterpiece nestled within the exclusive gated community of Strathmore Village, a premier enclave of luxury executive homes in Oakstead. Situated on an oversized, professionally landscaped corner lot, this stunning residence showcases unmatched curb appeal and meticulous attention to detail. Boasting 4 spacious bedrooms + office/den + bonus room, 3 full bathrooms, and a 3-car garage, this light-filled, meticulously maintained home offers approximately 3,200 square feet of luxurious living space. Step through elegant double doors with leaded glass inserts into a world of upscale comfort and timeless design. The open floor plan is highlighted by new 30x14 natural-tone porcelain tile flooring flowing seamlessly through all main living areas, while the bedrooms feature coastal-style engineered hardwood with a lifetime warranty—no carpet anywhere! Soaring double tray ceilings, crown molding, and recessed lighting add architectural elegance to the living, dining, and family rooms. The heart of the home is the chef-inspired gourmet kitchen, showcasing white wood staggered cabinetry, an exotic granite and quartz island, stylish tile backsplash, walk in pantry, and GE Profile Slate stainless appliances, including a desirable gas cooktop. Entertain with ease in the expansive family room featuring a built-in media niche and prewired surround sound system (equipment stays!). Retreat to the luxurious primary suite complete with double tray ceilings, crown molding, chandelier, dual custom walk-in closets, and a serene spa-like bath featuring dual vanities, a soaking tub, and a frameless walk-in tiled shower. Perfect for multi-generational living, the rear of the home includes a private bedroom, full bath, and large bonus room, ideal as an in-law suite, guest quarters, or media room. Additional bedrooms are thoughtfully placed in a triple-split plan layout for maximum privacy. Step outside to your private tropical oasis—a birdcaged lanai with a sparkling blue heated pool, tranquil water feature, and two covered outdoor living areas, ideal for entertaining or relaxing year-round. Key Features Include: New dimensional shingle roof (2023), Two new HVAC systems, Whole house water filtration system (2022), Gas water heater (2020), Water softener (2022), 8-zone irrigation system, In-wall pest defense system, White PVC privacy fence, Community amenities include a private clubhouse, two resort-style pools, fitness center, tennis and basketball courts, playgrounds, and scenic walking trails. Low HOA, not in a flood zone, and ideally located with quick access to Tampa International Airport, hospitals, top-rated schools, shopping, dining, and major sports venues. This home truly has it all—luxury, location, and lifestyle. Schedule your private tour today. You will not be disappointed!

Estimated
Seller's interest rate
2.375%
7%
Estimated
Monthly payment

$1,956
$2,489
You may also save up to $165,130 in total interest paid.

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.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,489 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
2.375%
Remaining term
25 yrs and 10 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$1,956
Principal & interest
$863
Mortgage insurance
-
Property taxes
$337
Home insurance
$749
HOA fees
$6
Utilities
Not included

Source: Public records

Home details
Size
3,187 sqft
Lot size
0.3 acres
Year built
2006
Type
Single Family Residence
HOA dues
$6.25

Source: STELLAR #TB8373171

Qualify

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.

Resources
Frequently asked questions

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.

View all FAQs
Last updated: Apr 18, 2025 07:31 am
Listing agent: Sandee Dillon-Mooney (727) 458-8744
Listing provided courtesy of: RE/MAX REALTEC GROUP INC (727) 789-5555
Details provided by STELLAR and may not match the public record.
MLS ID: #TB8373171
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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