3243 Ashmonte Dr, Land O Lakes, FL 34638
5 beds · 3 baths · 3,760 sqft

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Stunning 5-Bedroom Pool Home with Water and Conservation Views in the Gated Ashmonte Subdivision of Oakstead! This Mercedes Homes Paradise Cove floor plan offers 3,760 sq ft of beautifully designed living space with 5 bedrooms, 3 full baths, and a 2-car garage—perfectly nestled behind the gates of highly sought-after Ashmonte at Oakstead. NEW Roof (2024)! NEW Hot Water Heater (2024)! A grand entry sets the tone with elegant columns, an 8' front door with sidelights, and a soaring foyer ceiling featuring a medallion inlay, upper-level windows, and marble flooring. A balcony with a wood banister railing overlooks the foyer, adding architectural distinction. The spacious dining room, adorned with gleaming marble floors, can be styled as a formal dining area or combined sitting room. In the living room sliding glass doors open to your private outdoor retreat. The chef’s kitchen is equipped with wood cabinets, granite countertops, stainless appliances, including a smooth-top range, microwave, dishwasher, and French door refrigerator. A breakfast bar creates the perfect place to start your day, while the sunlit breakfast nook offers peaceful views of the lush backyard and pool. Perfect for guests or multi-generational living, the first floor includes a king-sized guest suite with sliding glass door access to the lanai, and a full bath with a tub/shower combo with NEW glass doors. Upstairs, you'll find a large bonus room with French doors and a built-in granite-topped buffet, serving as a central hub for four additional bedrooms. French doors open to the grand primary suite which features luxury wide plank vinyl floors (2024), a raised sitting area with engineered hardwood floors, two walk-in closets, and spacious ensuite bath with dual sinks, soaking tub, walk-in shower, linen closet, and a private water closet. Through French doors from both the primary suite and the bonus room, step onto the full-length balcony overlooking the luxurious pool/spa and serene backyard oasis, all under a screen enclosure. The expansive herringbone paver lanai and pool deck provide plenty of space for relaxation and entertaining, complete with multiple seating areas. Two gas grills and a mini fridge on the patio convey. The 25,000-gallon 8’ deep saltwater pool and spill-over spa are gas heated and enjoy sweeping conservation and water views. Additional highlights include a laundry room with utility sink and cabinetry, sprinkler system, water softener (2019), two Trane A/C units (2015) with updated air handlers (2018), and textured garage flooring. This home is equipped with a whole-house automatic stand-by generator, providing seamless power during outages ensuring peace of mind and comfort. Residents of Ashmonte enjoy access to resort-style amenities, including a clubhouse, fitness center, two party rooms for rent, a 165,000-gallon saltwater pool, three tennis courts, volleyball and basketball courts, a ball field, and a covered playground—all set amid beautiful natural surroundings. Ideally located along SR-54, you’ll enjoy the convenience of nearby shopping and dining, top rated schools, and just minutes from the Suncoast/Veterans Expressway, Tampa International Airport, and just 40 minutes to Florida’s renowned sand beaches. Don’t miss this opportunity to experience living in one of Oakstead’s most desirable communities. Schedule your private showing today!
Source: STELLAR #TB8372517
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 #TB8372517
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.
