3943 W Campbell Rd, Lakeland, FL 33810
6 beds · 4 baths · 4,227 sqft
Your dream home awaits! Sprawling custom estate on nearly two acres with no HOA and no CDD. Discover luxury and tranquility in this stunning six-bedroom, 3.5-bath custom-built estate, on nearly two acres of beautifully landscaped, horse-zoned property in North Lakeland. Designed for comfort and convenience, this one-of-a-kind home offers high-end upgrades, modern amenities, and ample space for a large family or remote work setup. Step inside luxury from the moment you enter through the grand 8-foot French doors, you'll be captivated by the 25-foot ceilings and expansive open floor plan. The remodeled chef’s kitchen is a showstopper, featuring solid wood cabinets, quartz countertops, stainless steel appliances and a new gas stove with a custom hood. The first-floor primary suite is a private retreat, boasting dual walk-in closets, a skylight-lit spa-like bath and exquisite finishes. Upstairs, you'll find five spacious bedrooms and two baths, including a Jack and Jill layout and a large, shared closet. Unmatched upgrades and features, this home is built for durability and efficiency, featuring Category 5-rated high-impact Andersen windows and doors, a new roof installed in 2021, and three new air-conditioning units added in 2022. The new carpet was installed in 2024, and the attic insulation was upgraded in 2023. A well-water irrigation system helps maintain the beautifully landscaped property, and Ring cameras at front and back provide added security. A laundry chute leads to the first-floor laundry room, which accommodates two washer and dryer sets. Select first-floor windows include electronic blinds for added convenience. Outdoor living and additional perks so enjoy breathtaking views of the private acreage from two covered porches, a side patio and a beautifully manicured backyard. The oversized two-car garage offers ample storage, and additional features include a gas water heater, gas fireplace, 50-amp RV hookup and a backyard storage shed. Prime location with exclusive privacy, tucked away in an intimate seven-home community, this estate offers unmatched privacy while maintaining easy access to Interstate 4, ideally positioned between Orlando and Tampa. This move-in-ready masterpiece combines luxury, functionality and space in a way that’s rare. Schedule your private tour today and experience the lifestyle this exceptional property has to offer!
Source: STELLAR #O6271043
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 #O6271043
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 of Equal Opportunity Act.