3503 Gaviota Dr, Sun City Center, FL 33573
4 beds · 4 baths · 3,052 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Tucked within La Paloma Village—one of Cypress Creek’s most quietly refined communities—this 2022-built residence delivers the kind of retreat that works as hard as it relaxes. Step inside to a grand, open layout where conversation flows from the formal lounge into a spacious great room with sightlines straight to the pool. A massive kitchen island anchors the heart of the home—perfect for morning routines, casual dinners, or entertaining out-of-town guests. The home’s 4-way split floor plan offers privacy in every direction. The extended primary suite includes a peaceful sitting area with pool views, an impressively tiled bath with dual sinks, granite countertops, a soaking tub, and a walk-in shower. The closet? Legendary—soaring ceilings offer storage few homes can match. A dedicated den—ideal for a home office—sits just off the pool bath, while a private guest suite near the entry offers its own full bath creating the ideal setup for multigenerational living or long-term visitors. Two additional guest bedrooms and a full bath are tucked off the kitchen hallway. Outside, brick pavers frame the covered lanai and tranquil pool with fountains and a spa waterfall. Remote-controlled hurricane screens offer protection for the lanai’s contents, while a fenced backyard and mature landscaping ensure privacy. Beyond its layout, the home stands apart for its infrastructure. A whole-house 24KW Generac generator, natural gas appliances, and hurricane-impact windows offer peace of mind. The tankless on-demand water heater and CAT-6 cable wiring ensure efficiency and connectivity, while custom blinds, 8-foot interior doors, and a four-foot extended garage reflect the thoughtfulness carried through every square inch. The lanai is also pre-plumbed with natural gas, offering a seamless opportunity to build the outdoor kitchen you’ve always envisioned. La Paloma Village is golf-cart friendly and centered around Cypress Creek Golf Club. Tampa International Airport, St. Joseph’s South Hospital, and MacDill AFB are within easy reach. Positioned conveniently between Tampa, St. Pete, and Sarasota, you’re perfectly placed to explore—or retreat. Whether you're starting a new chapter or simply living life on your own terms, this home offers the freedom, privacy, and polish to do it well.
Source: STELLAR #TB8373007
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 #TB8373007
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.