10120 Willow Dr Port Richey, FL 34668
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About this home
Welcome to 10120 Willow Drive in the well-established Jasmine Lakes community of Port Richey. This thoughtfully maintained 2-bedroom, 2-bath, 2-car-garage home blends comfort, convenience, and quality upgrades—ready for its next owner to enjoy from day one. Major improvements have already been handled for you, including a new shingle roof (2022), a new HVAC system with ductwork (2024), new gutters (2024), and a new fence—plus added attic insulation for efficiency. Step inside to discover a bright, open layout featuring a welcoming living and dining space, fresh neutral paint tones, and classic terrazzo flooring revealed in select rooms for timeless mid-century appeal. The kitchen has been refreshed with updated lighting, hardware, copper backsplash, and a new countertop breakfast bar, offering plenty of workspace for everyday cooking or entertaining. Both bedrooms are well proportioned, and the primary suite includes a private bath and generous closet space. A sliding glass door leads to an enclosed Florida room that extends your living area year-round. Beyond that, the covered patio and spacious fenced backyard create the perfect backdrop for morning coffee, weekend barbecues, or simply relaxing under the shade of mature trees. Practical details enhance peace of mind—public water and sewer, a two-car garage with laundry area, and an oversized driveway for extra parking. Located in FEMA Zone X with no HOA or deed restrictions, this home invites flexibility for full-time living, a seasonal retreat, or an investment opportunity. Conveniently close to shopping, dining, medical facilities, and top recreation along the beautiful Gulf of America, you’re just a short drive from Tarpon Springs Sponge Docks, Hudson Beach, and the Ridge Road extension offering direct access to Tampa International Airport.
Source: STELLAR #TB8441659
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.