19730 Post Island Loop Land O Lakes, FL 34638
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About this home
Located on a unique pie-shaped oversized lot with tranquil pond views, this beautifully maintained 3-bedroom, 2-bathroom home built by William Ryan Homes offers comfortable one-story living in one of Land O’ Lakes’ most sought-after gated communities. The home features a well-designed split-bedroom floor plan that ensures both privacy and functionality. At the center of the home is an eat-in kitchen equipped with stainless steel appliances, a gas stove, granite countertops, and stylish pendant lighting—perfect for everyday living or entertaining. A formal dining room offers an elegant space for hosting gatherings. The spacious primary suite includes a walk-in closet and an en suite bathroom with double sinks, a soaking tub, and a separate shower, providing a peaceful retreat. Two additional bedrooms are generously sized and ideal for family, guests, or a home office. Step outside to enjoy the Florida lifestyle with a covered back porch that opens to a large, fully fenced backyard. The paver patio and built-in fire pit create an inviting outdoor space perfect for relaxing or entertaining year-round. Additional features include a two-car garage and the added benefit of no flood insurance required. Lakeshore Ranch is a vibrant, gated community known for its resort-style amenities and 24-hour manned guard gate. Residents enjoy access to a luxurious clubhouse, fitness center, massage room, amphitheater, fishing pier, three community pools including a heated lap pool, tennis and pickleball courts, basketball courts, dog park, and covered playground. The community is golf cart friendly and offers a truly active and connected lifestyle. Conveniently located near shopping, dining, golf, and top-rated schools, with quick access to major highways, downtown Tampa, and Gulf Coast beaches, this home combines luxury, functionality, and a prime location. Don’t miss your chance to own this exceptional property in the heart of Land O’ Lakes. Schedule your private showing today.
Source: STELLAR #TB8408348
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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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