4919 Lakeshore Oaks Ct, Tampa, FL 33624
4 beds · 4 baths · 2,688 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Stunning Newer Construction Home on a Spacious Lot in Tampa – Move-In Ready! Welcome to Lakeshore Oaks, a rare gem in Tampa offering the perfect blend of newer construction, a quarter-acre lot, and a small, exclusive community just minutes from top amenities. This David Weekley Marbrook floor plan features 4 bedrooms, 2.5 bathrooms, and better-than-new upgrades—without the added costs of appliances, blinds, fencing, or upgraded light fixtures. Key Features: • Expansive .25-Acre Lot – A rare find in Tampa, providing space for outdoor living and entertaining. • Premium Curb Appeal – Covered front porch, fresh exterior paint, and low-maintenance landscaping. • Upgraded Outdoor Space – Extended paver patio for a stylish and functional backyard. • Gourmet Kitchen – Open-concept design with a designer backsplash, oversized island, stainless steel appliances, and a large pantry. • Flexible Living Spaces – Grand foyer leads to a flex space ideal for a home office, playroom, or library. • Luxury Primary Suite – Features a massive walk-in closet (nearly the size of another room!) with two ceiling fans. • Move-In Ready Upgrades – Includes a water softener, UV light in HVAC system, and upgraded light fixtures throughout. • Split-Bedroom Layout – Designed for privacy and functionality. Prime Location & Small-Community Living Nestled in a quiet, sought-after neighborhood with minimal turnover, this home offers the peace and privacy of a small community while being close to top-rated schools, shopping, dining, and major highways for easy commuting. This is a rare opportunity to own a like-new home without the hidden costs of a new build. Don’t miss out—schedule your showing today!
Source: STELLAR #TB8358827
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8358827
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.