10339 SE 179th St Summerfield, FL 34491
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About this home
Your Next Adventure Awaits in Spruce Creek South! Welcome home to the coveted Spruce Creek South, a vibrant, securely gated 55+ community in sunny Summerfield, FL. This charming 2-bedroom, 2-bath residence sits on a desirable oversized 1/4-acre lot, offering ample space and privacy for the active lifestyle you've earned. Step inside to a bright, open living room flowing into a dedicated dining area just off the kitchen—a perfect layout for entertaining or quiet evenings. The home features a comfortable primary suite with a walk-in closet and private bath, plus a secondary bedroom and full guest bath. You’ll love expanding your living space year-round with the beautiful sunroom and the relaxing covered lanai, ideal for morning coffee or an evening cocktail. Practicality meets convenience with an extended driveway for extra parking, an oversized main garage, and an indispensable separate golf cart garage for all your storage needs. Enjoy quiet moments on the cozy front porch, too! Live the Unbeatable Golf Cart Lifestyle This is more than a home; it's a gateway to fun! Spruce Creek South is famous for its manned 24/7 gate and legal golf cart access across US-441 to a world of convenience—restaurants, shopping, medical offices, and more are all just a short ride away. Plus, you’re just minutes from The Villages for endless entertainment and dining options. The community amenities are second to none including: Resort-Style Pool & Spa, 18-Hole Golf Course with Pro Shop and on-site restaurant, Massive Clubhouse with fitness center, saunas, huge kitchen, and entertainment stage, RV/Boat Storage (available for a low fee), Softball field, game rooms, and an incredible array of clubs & social events! Everything is here. All that's missing is you!
Source: STELLAR #TB8442771
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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.