6180 SW 110th St Ocala, FL 34476
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About this home
Welcome home to this beautifully maintained 2-bedroom, 2-bath residence in the sought-after Spruce Creek 55+ community of Ocala. This fully furnished turn key gem is move-in ready — right down to the dishes, pots, and pans — so you can start enjoying Florida living from day one! This home would be great for the snow bird who wants to move right in without a lot of fuss. The cute front porch is fully screened and is pleasant for sitting out and enjoying the Florida evenings. Step inside to find a warm country-style decor with comfortable furnishings and plenty of natural light. The home features a spacious Florida room with air conditioning, perfect for year-round relaxation or entertaining guests. There is a long covered porch off of the Florida room for additional relaxation and for enjoying quiet mornings or evening breezes. A new roof (November 2025) and low-maintenance vinyl siding provide peace of mind and easy upkeep. The fenced backyard offers a distinct space for pets, gardening or just distinguishing your own yard space. You’ll also appreciate the 2-car garage which has been painted and has finished floors. There is a distinct work area with plenty of cabinetry. The laundry is also out here and there is an access door to the backyard. Spruce Creek offers wonderful amenities including a clubhouse, community pool, and a full calendar of social activities — everything you need to stay connected and have fun in this friendly and active community lifestyle. Enjoy the best of Ocala’s 55+ living — comfort, community, and carefree living all in one! Best of all this is not an HOA community. There is a low monthly fee to cover some of the homeowner fees including shared amenities, trash, pickup, security and water. Come and check out this beautiful and cozy home today!
Source: STELLAR #OM712695
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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.