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3856 Bowfin Trl

Kissimmee, FL 34746

4 beds · 4 baths · 3,567 sqft

$689,900

$3,733/mo at 4.5% with Roam

$4,050/mo at 7% with a bank loan

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About this home

Welcome to your magnificent home in the much sought after community of Bellalago! This Tuscany style stunning 4 bed and 4 full bathroom residence boasts unparalleled luxury and functionality. Upon entering, you're greeted by high ceilings that create an airy and spacious ambiance throughout. The heart of the home is the meticulously upgraded kitchen, featuring sleek granite countertops, stainless steel appliances, and a convenient walk-in pantry for all your culinary needs. Two versatile multi-purpose spaces flanking the kitchen offer endless possibilities, whether you envision them as a home office, craft area, or even a wine storage haven. This thoughtfully designed home boasts not one, but two master suites. The first one is located downstairs, features a luxurious stand-up shower, duel sinks and walk in closets. Upstairs, the second master suite awaits, complete with a lavish bathtub and separate shower, dues sinks and a huge walk in closet. Entertaining is a breeze with the flexible living spaces this home offers. The downstairs flex space can effortlessly transition between a formal dining room, a lively game room, or a functional home office, accommodating your ever-changing needs. Upstairs, a spacious bonus room awaits, perfect for family movie nights, a children's play area, or a cozy reading nook. Upstairs also has access to a screened in balcony adding a touch of uniqueness to your home. Outside, the allure of nature beckons from the comfort of your own backyard. With the conservation area as your backdrop, you have a peaceful private oasis to escape the hustle and bustle of everyday life. In addition to this luxurious home, the Bellalago is a resort style guard gate community with unparalleled amenities and stunning natural surroundings. You’ll have a breathtaking pool, water slide, water park, fitness center, clubhouse, walking and bike trails, dog park, volleyball, tennis and basketball courts, a fishing pear and water access to Lake Tohopekaliga via boat ramps and boat lifts. All this minutes from restaurants and shops.

3,567 sqft
0.22 acres
Single Family
Built in 2018
3 car garage

Source: STELLAR #O6204422

5-year savings

Compared to a conventional mortgage
Roam
Bank
Principal & interest
$2,295
$2,612
Property taxes
-
-
Mortgage insurance
-
-
Home insurance
-
-
HOA fees
-
-
Monthly total
$3,733
$4,050
5-year total
$224,031
$243,033
Neighborhood
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FAQs

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.

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 580, 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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

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Last updated: Aug 14, 2025 02:45 pm
Listing agent: Kavita Uttamchandani (239) 691-2289
Listing provided courtesy of: CENTURY 21 CARIOTI (407) 770-0322
Details provided by STELLAR and may not match the public record.
MLS ID: #O6204422
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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