345 Dryden Cir Cocoa, FL 32926
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About this home
Located in Fern Meadows, escape to your waterfront oasis in this charming 3-bedroom, 2-bathroom home located in the desirable area of Coca. This property offers the perfect blend of comfortable living and relaxing views. Step inside to an open floor plan, with a spacious living area that flows seamlessly into the dining and kitchen spaces. Large windows frame stunning water views, filling the home with natural light and a sense of tranquility. The well-appointed kitchen with ample counter space and modern appliances. The master suite is a true retreat, featuring a private en-suite bathroom and a large window showcasing the serene water views. Two additional bedrooms provide plenty of space for family, guests, or a home office, and a second full bathroom ensures convenience for all. Outside, the property truly shines. Enjoy your morning coffee or evening cocktail on the 30ft expansive covered patio area, where the calming sounds and beautiful sights of the water create an idyllic backdrop, simply enjoy the peaceful scenery. The property comes with hurricane shutters, Laminate, tile flooring. Located just west of I-95 off SR 520, within 30 mins to the Beach and to Orlando International airport. Fern meadows community amenities tennis courts, a playground and a basketball court. The roof was replaced in 2020, the water heater is new as of 2025. Property comes with Solar panels giving the new owner a very low energy cost, the new buyer will take over the lease of the solar panels at closing, see information attached.
Source: STELLAR #O6340019
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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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