8836 Handel Loop Land O Lakes, FL 34637
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About this home
One or more photo(s) has been virtually staged. Welcome to this beautifully maintained 5-bedroom, 3-bathroom home with a dedicated office, located in the highly desirable community of Connerton in Land O’ Lakes, Florida — where resort-style living meets everyday convenience. This picturesque colonial-style home greets you with manicured landscaping and a large covered front porch, perfect for relaxing in your rocking chairs and enjoying the Florida sunsets. Situated on a peaceful conservation lot with no rear neighbors, the property offers privacy and serenity. The fully fenced backyard features an attractive aluminum spindle-style wrought iron fence with three gates, ideal for both kids and pets. Inside, you’ll find a spacious and well-designed split floor plan filled with natural light and beautifully repainted interiors. The main level includes an office with French doors, a formal dining room, hardwood floors, and a butler’s pantry—perfect for entertaining. There’s also a massive 45 sq. ft. under-stairs storage closet, plus a private guest bedroom with its own full bath, ideal for in-laws or visitors. The kitchen features natural stone countertops, full cabinetry with backsplash, and newer stainless-steel appliances, including a brand-new refrigerator. Gas cooking is available for the family chef, as the community offers natural gas. Upstairs, you’ll find three oversized secondary bedrooms, one with a walk-in closet and built-in cabinetry, along with the expansive primary suite overlooking the conservation area. The primary suite includes three large windows, a generous walk-in closet, and a luxurious en-suite bath with a separate shower, garden tub, and dual vanities. Additional highlights include a three-car tandem garage, a laundry room with utility sink and cabinetry, two large screened-covered patios, and ample storage throughout the home. Major updates include upstairs A/C (2017), downstairs A/C (2020), and a new water heater (2023). The Connerton community offers amenities galore—including biking and walking trails, multiple playgrounds, dog parks, a resort-style pool, state-of-the-art fitness center, clubhouse with monthly events, and so much more. Don’t miss this opportunity to live in one of Pasco County’s premier master-planned communities—schedule your private showing today!
Source: STELLAR #TB8445832
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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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