3110 River Oaks Dr Bartow, FL 33830
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About this home
Welcome to 3110 River Oaks Drive in beautiful Bartow, Florida! This stunning home sits on an expansive half-acre lot and has been thoughtfully updated throughout, offering modern comfort and peace of mind. The property features a newer roof (2021) and a newer lower-level AC unit (2025), ensuring efficiency and reliability. The updated kitchen boasts modern lighting and appliances, creating a bright and functional space for cooking and entertaining. The renovated master bathroom is a true retreat, featuring a new Kohler tub, elegant tile, new flooring, a double vanity, smart toilet with seat warmer and bidet, new drywall, fresh paint, updated lighting, and a new bathroom door. Additional improvements include a new septic system and drainfield (2021), updated irrigation system (2021), and fresh interior paint on the lower level (2021). The upstairs bathroom received a new vanity and toilet in 2022. Outdoor enhancements include a new vinyl double gate (2024), RV 220V connection in back yard, cool-sealed screen room ceiling (2024), new pool pump (2024), pool screen enclosure and screen room completely rescreened and new door hardware (August 2025). The pool was beautifully resurfaced in November 2025, making it the perfect spot to relax and unwind. A large detached garage building provides ample storage or workspace. This meticulously maintained property combines thoughtful upgrades, spacious living, and outdoor enjoyment—truly a place to call home.
Source: STELLAR #B4902102
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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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