3221 La Salle St Winter Haven, FL 33884
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About this home
*** $21,000 PRICE REDUCTION (as of 10/24/2025)!*** Welcome to 3221 La Salle Street, located in the highly desirable Orleans subdivision of Winter Haven — one of the most distinctive neighborhoods along the Winter Haven Chain of Lakes. This elegant 4-bedroom, 3-bath home is the second-largest model in the community, offering nearly 2,800 sq. ft. of thoughtfully designed living space. Unlike many homes with all bedrooms upstairs, this one features a full downstairs bedroom and bathroom, ideal for guests, multi-generational living, or a private retreat. You’ll also enjoy a fully enclosed office on the main level — not just an open flex space — giving you true privacy and functionality. The kitchen shines with 42-inch cabinets, granite countertops, stainless steel appliances, and double convection ovens. Double-pane efficiency windows and a whole-home solar system keep monthly electric costs impressively low — typically under $200 per month. The primary suite features a large vanity and walk-in shower, while the open-concept living areas flow effortlessly for entertaining or everyday comfort. Step outside to a spacious backyard with plenty of room to relax, entertain, or even add a private pool if desired. Perfectly positioned between Lake Winterset and Lake Eloise and located less than a mile from LEGOLAND® Florida Resort, this home blends luxury, efficiency, and a prime location — and at this new price, it’s one of the best values in Winter Haven!
Source: STELLAR #P4936531
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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.