1090 Paley Pl Deland, FL 32720
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About this home
DeLand - POOL HOME - Experience the best of country living and modern comfort at 1090 Paley Place — a custom-built 4-bedroom, 3-bath pool home with an attached in-law suite, set on 2.5 acres of peaceful, fully fenced property just minutes from Downtown DeLand. From the moment you arrive through the electric gated entry, this property blends privacy, space, and thoughtful design for today’s lifestyle. Built in 2004, this home offers 2,656 sq ft of living area and over 3,600 sq ft under roof, constructed of concrete block with stucco finish and capped by a newer roof (2019). Inside, you’ll find real hardwood floors, 10-foot ceilings, and a welcoming propane fireplace anchoring the spacious great room. The kitchen is designed for both cooking and connection, featuring stainless-steel appliances (2023 range, microwave, and dishwasher), abundant cabinet space, and a breakfast island that opens to the main living area. The split floor plan provides flexibility for multi-generational living or guests. The private in-law suite includes its own bedroom, bath, living space, and laundry room with a separate entrance. The primary suite features a walk-in shower with garden tub, a double vanity, and generous walk-in closet, while two additional guest bedrooms share a full bath on the opposite wing. Step outside to a screened-in lanai and pool — ideal for outdoor entertaining or quiet evenings at home. A 30×35 barn with three roll-up doors provides excellent storage for equipment, vehicles, or hobbies, while the oversized three-car garage and two-car carport add even more parking and utility space. This home has been meticulously maintained and updated: new hot-water heater (2019), A/C (2017), well tank and drain field (2022), pool pump (2021), refurbished full-house diesel generator (2024), and washer/dryer sets (2018) in both laundry areas. The salt-chlorination system is in place for the pool and may simply require a new cell. A West Pest Control termite bond, renewed in September 2025, adds peace of mind. With no HOA, the property invites flexibility — whether for boats, RVs, gardening, or animals — while maintaining a refined residential feel just a short drive from award-winning Downtown DeLand, Stetson University, and local shops and restaurants. If you’ve been searching for space, versatility, and craftsmanship in a quiet, convenient location, 1090 Paley Place delivers the goods. This property is 15 minutes from I4, 25 miles to numerous East Coast beaches, and 30 minutes to Orlando. Call today for your private showing. **MLS Info is intended to be correct but is not guaranteed and all information must be verified by buyers.**
Source: STELLAR #V4945589
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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.
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