VA loan
1 of 89
VA loan
$575,000

445 Hightower Dr, Debary, FL 32713

4 beds · 4 baths · 3,453 sqft

Price Reduced - Super Motivated Seller. Welcome to 445 Hightower Dr, located in DeBary Plantation, home of DEBARY COUNTRY CLUB. This CUSTOM BUILT, two story home is situated on the 11th FAIRWAY of this beautiful GOLF COURSE. With 4 Bedrooms and 4 Full Bathrooms, this house has space to accommodate so many needs and lifestyles. As you pull up, you notice the long Driveway and Side Entry 3 CAR GARAGE that allows all the focus to be on the front entry. Inside, there are PLANTATION SHUTTERS, Crown Moulding, high ceilings, lots of natural light and a large screened-in POOL with swim out and LANAI overlooking what can be a lush landscaped garden and (with a little clearing of underbrush), a great VIEW of the FAIRWAY. The Lanai is the perfect place to cook out or simply relax with your favorite beverage as you enjoy the sounds of the birds and the gentle breeze through the trees. The Kitchen is spacious with plenty of storage, 42” CABINETS, lots of counter space and a large, GRANITE ISLAND that adds even more space and is perfect for entertaining. There are also STAINLESS STEEL appliances and beautiful GRANITE COUNTER TOPS. In addition to the Formal Living and Dining Rooms, there is a large Family Room as well as an upstairs BONUS ROOM that can be used as a 5th Bedroom, an Office, a Playroom, a Classroom or so much more. There is so much about this house that the only real way to appreciate it is to see it in person. DeBary Plantation is more than just a neighborhood; it's a lifestyle. The community itself is a haven for golf enthusiasts, with the PICTURESQUE FINISHING HOLES providing a stunning backdrop to the exquisite clubhouse. Experience Florida elegance and EXCEPTIONAL AMENITIES within this vibrant semi-private COUNTRY CLUB COMMUNITY. The pride in ownership and the upscale living environment foster a strong sense of community, making 445 Hightower Dr. a truly desirable place to call home. Don’t forget to click on the VIRTUAL TOUR button to see the 3D HOME WALK THROUGH, then call today to schedule your private showing. All offers given serious consideration.

Estimated
Seller's interest rate
2.625%
7%
Estimated
Principal & interest
$1,831/mo.
$2,874
You may also save up to $322,240 in total interest paid.
Listing price
$575,000

Your cash down payment
$163,884
Seller’s estimated current equity is $163,884
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with a 2nd mortgage.
Estimated $1,831 monthly payment

Financed
$411,115
Assumed mortgage 2.625% • Seller's rate
$411,115
2nd mortgage 9.25% • No prepay penalty
$0

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Use two fingers to move the map
Details
Home
Size
3,453 sqft
Lot size
0.32 acres
Year built
1997
Type
Single Family Residence

Source: STELLAR #O6228752

Loan
Remaining term
25 years, 9 months
Rate
2.625%
Monthly P&I
$1,831
Remaining loan balance
$411,115

Source: Public records

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

How can you find assumable mortgage listings?

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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 “Get Notified” 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.

How do I qualify for an assumable mortgage?

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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.

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Last updated: Jan 22, 2025 01:12 am
Listing agent: Warren Bonett (407) 864-2559
Listing provided courtesy of: KELLER WILLIAMS ADVANTAGE REALTY (407) 977-7600
Details provided by STELLAR and may not match the public record.
MLS ID: #O6228752
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.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$1,831/mo
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