410 Riverview Blvd, Daytona Beach, FL 32118
3 beds · 2 baths · 1,474 sqft

Get a free consultation call with an expert in the mortgage assumption process.
One or more photo(s) has been virtually staged. Adorable Beachside Bungalow – Steps from the Ocean! Welcome to this charming 3-bedroom, 2-bath home just two blocks from the Atlantic Ocean, nestled in the heart of the Seabreeze Historic District—with no HOA and a brand new roof scheduled for installation in mid-June! Step inside to discover tile flooring throughout and a fabulously updated kitchen complete with an island, granite countertops, solid wood cabinets, stainless steel appliances including a gas range and hood (yes, there’s natural gas in this neighborhood!), a new refrigerator, and a new washer and dryer. It’s a perfect space for entertaining or enjoying a quiet night in. The home’s layout is bright and inviting, and the private, fenced backyard offers a peaceful retreat—ideal for relaxing after a beach day or even adding a pool. The garage offers flexibility, whether you need a home gym, workshop, or just extra storage for your beach toys. Beyond the home itself, the location is truly special. You’ll love the occasional early morning sound of ocean waves—a perfect backdrop for your morning coffee. Just a short walk away are favorite local spots like Ocean Deck and Beach Bucket, where you can enjoy great food and ocean views. The quiet building across the street houses school administration offices, adding to the peaceful vibe of the neighborhood. Living here means you’re just moments from sunrise walks on the beach, watching local fishermen, spotting dolphins—and sometimes even a whale. Additional updates include a 2017 A/C system and tankless hot water heater, adding peace of mind and energy efficiency. Located in the heart of Daytona Beach, you’re just minutes from shopping, restaurants, and all the activities that make this area one of Florida’s most iconic destinations. (Some photos have been virtually staged. All measurements approximate.)
Source: STELLAR #V4941313
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 #V4941313
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.
