4981 SE 180th Ter Ocklawaha, FL 32179
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About this home
**Seller may consider buyer concessions if made in an offer**Escape to your own PRIVATE PARADISE on Lake Bryant in this remarkable 4-bedroom, 3-bath home located in the peaceful Hugh Thompson community of Ocklawaha. With over 3,000 SQUARE FEET of living space on more than 2.5 ACRES, this property brings the perfect blend of serenity, space, and comfort—all with DIRECT LAKEFRONT ACCESS and your own private dock. This property has been lovingly maintained and thoughtfully improved, with updates including NEWER PLUMBING (2021), a NEWER METAL ROOF (2016), a NEW AC UNIT (2025), and a second AC unit (2016) for comfort and efficiency. From the moment you arrive, you’ll be drawn in by the home’s NATURAL BEAUTY and QUIET SURROUNDINGS. Step inside to discover a spacious main level with ceramic tile flooring throughout and a warm, inviting Living Room featuring a STONE WOOD-BURNING FIREPLACE—a perfect place to gather with family and friends. Double glass doors frame the SERENE LAKE beyond, opening to a COVERED PATIO designed for relaxation and connection with nature. The elevated Kitchen exudes charm with solid surface countertops, solid wood cabinetry, a breakfast bar, and a generous WALK-IN PANTRY. The bright eat-in area, framed by large windows and glass doors, provides STUNNING VIEWS of the water—offering the perfect backdrop for your morning coffee or evening meals. The main floor includes three bedrooms and two full baths, while the upstairs Primary Suite serves as a true retreat. Featuring NEW VINYL PLANK FLOORING, wainscoting, and sliding doors that open to a SCREENED BALCONY with breathtaking lake views, the suite also boasts an en suite bath with a WALK-IN CLOSET, garden tub, step-in shower, and a tranquil, SPA-LIKE ambiance. Outdoors, you’ll find everything needed to embrace Florida living at its finest—a WORKSHOP with electrical and plumbing, additional buildings for livestock, an RV hookup, and an incredible VARIETY OF FRUIT TREES, including lemon, orange, banana, mulberry, peach, and black cherry. With NO HOA, you have the freedom to make this property your own. IDEALLY LOCATED near the Ocklawaha River, Carney Island Recreation and Conservation Area, and Lake Weir, outdoor adventure is always close by—whether you're boating, fishing, hiking, or exploring Florida’s natural beauty. CONVENIENT ACCESS to Highway 25, US-441, and The Villages ensures you’re never far from shopping, dining, and everyday essentials—yet far enough to enjoy PEACEFUL WATERFRONT LIVING. Come home to quiet mornings, stunning lake views, and the best of Florida’s natural beauty—your LAKESIDE RETREAT in Ocklawaha awaits.
Source: STELLAR #O6355967
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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.