3102 Heartleaf Pl Winter Park, FL 32792
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About this home
Contract canceled due to buyers loan denial. Significant savings to the buyer! Tucked away on the tree-lined streets of the Lost Creek community, this contemporary two-story residence offers a rare blend of serenity and sophistication. Ideally located in sought-after Winter Park, this exceptional property offers exclusive creek-to-lake access leading to the sparkling waters of Lake Howell—just minutes away from vibrant city life and top-tier amenities. From the moment you arrive, the home makes a striking first impression with its stately architecture and bold navy double doors, creating a grand sense of arrival. Inside, a warm, welcoming foyer introduces an elegant layout, with a private office to one side and a formal dining room on the other—both adorned in rich wood flooring. The soaring ceilings of the great room bring in an abundance of natural light and airiness, while modern pendant lighting adds a contemporary flair. At the heart of the home lies a gourmet kitchen, beautifully appointed with crisp white Shaker cabinetry, Dovetail quartz countertops, and a sleek subway tile backsplash. The kitchen opens seamlessly to the sunny breakfast nook, with views of the lush, wooded preserve just beyond. The inviting family room centers around a cozy wood-burning fireplace, framed by built-ins and a custom art niche—perfect for showcasing treasured pieces. Step through French doors onto the lanai, where a wood-planked ceiling, ceiling fan, and wet bar create an effortless space for entertaining or quiet evenings under the stars. The primary suite, offers a tranquil escape with wood floors, crown molding, and soft blue hues that evoke a spa-like ambiance. The ensuite bath is equally luxurious, featuring an oversized vanity with framed mirror, a garden soaking tub, and a walk-in shower accented by coastal-inspired blue tile. Upstairs, a spacious open loft provides flexible living space ideal for a media room, home gym, or guest lounge. Two additional bedrooms complete the second floor, each generously sized and bathed in natural light. Step outside to your private backyard oasis, where a deck and firepit area offer peaceful moments overlooking the scenic landscape. A pathway leads to Howell Creek, where you can launch your own watercraft and enjoy a picturesque 15-minute cruise to 400-acre Lake Howell—a rare amenity in such a well-connected location. Additional highlights include: • New Roof (2021) • New Water Heater (2025) • Whole-Home Repipe (2017) • New A/C (2025) Ideally situated near premier dining, shopping, medical centers, and recreation—just minutes from Oviedo on the Park, Park Avenue, and Waterford Lakes Town Center. Top employers like Siemens, Lockheed Martin, and UCF are all within easy reach, along with quick access to the 417, making weekend getaways to the beaches or theme parks effortless. Zoned for top-rated Seminole County schools: Red Bug Elementary, Tuskawilla Middle, and Lake Howell High.
Source: STELLAR #O6323967
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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.