1890 15th St Orange City, FL 32763
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About this home
NEW ROOF TO BE INSTALLED PRIOR TO CLOSING!! Welcome to your own private retreat! This beautifully maintained 3-bedroom, 2-bath block home sits on an expansive corner lot with no HOA, offering both freedom and privacy in a serene setting. Inside, you'll find easy-care tile flooring throughout and a thoughtful split floor plan that separates the primary suite from the guest bedrooms, creating space and quiet for everyone. The open-concept living and dining areas flow seamlessly together and lead out through sliding glass doors to a spacious covered patio—perfect for morning coffee, entertaining friends, or simply unwinding while enjoying the sounds of nature. The kitchen is outfitted with newer stainless steel appliances and is ideally positioned for everyday living and hosting. A convenient inside laundry room adds to the home's functionality. Backing directly to Blue Spring State Park and walking distance to the Spring-to-Spring Biking/Walking trail, this property offers a rare connection to nature right in your backyard. Whether you're looking for peace and quiet or adventure and recreation, you'll find it here. Plus, with quick access to I-4 and nearby shopping, you're never far from the essentials. This is the kind of home where comfort, quality, and location all come together. Don't miss your chance to experience it for yourselfschedule your private tour today!
Source: STELLAR #V4942560
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Close stress-free in 45 days, handled start to finish by Roam.
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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.