428 Pine Bluff Dr, Lutz, FL 33549
4 beds · 3 baths · 3,585 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Elegant Custom Home in a Gated Lutz Community-Nestled on a desirable 1.05-acre corner lot in a quiet, gated community, this stunning 4-bedroom, 3 bath home offers the perfect blend of luxury, comfort, and privacy. At 3500+ sq ft, you will enjoy an additional office and bonus room, plus a spacious 3-car garage, this home is designed to meet all your lifestyle needs. Step inside to find an inviting, open-concept layout with high-end finishes throughout. The gourmet kitchen boasts premium appliances, a large island, and ample cabinetry—perfect for both casual dining and entertaining. The expansive living areas are filled with natural light, creating a warm and welcoming atmosphere. The primary suite is a true retreat, featuring a spa-like en-suite bath and generous walk-in closets. Three additional bedrooms provide plenty of space, while the office and bonus room afford flexibility for work, play, or a home gym. Outside, your private oasis awaits! Enjoy Florida living at its finest with a sparkling pool and a spacious patio, ideal for relaxing or hosting gatherings. Located in a sought-after Lutz community, this home provides easy access to top-rated schools, shopping, dining, and major highways while maintaining a peaceful, secluded feel. Roof is 3.5 years old, 2 new AC units in June 2022, exterior of home painted in 2024, and the pool cage was rescreened 1/2025!
Source: STELLAR #TB8366803
Source: STELLAR #TB8366803
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.