9901 Gallagher Rd Dover, FL 33527
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About this home
Country Living on 1 Acre and Conveniently Located Near Major Roads and Interstates. Enjoy the best of country living with city convenience. This beautifully renovated property sits on a full acre, offering peace, privacy, and easy access to shopping, dining, and commuter routes. The property includes a fully remodeled primary residence plus a modern ADU (Accessory Dwelling Unit) ideal for multi-generational living, a guest home, or rental income. The ADU has a proven rental history, previously earning $1,800 per month long-term or $3,000 to $3,500 per month short-term. Both homes have been completely renovated within the past two years with quality craftsmanship and attention to detail. The main home features new flooring throughout with no carpet, a fully remodeled kitchen with quartz countertops and updated appliances, cedar accents, new fixtures, lighting, hardware, doors, and valves. The primary suite is located on the main level with an updated ensuite bath and laundry area, while three spacious bedrooms and a remodeled full bath are located upstairs. The ADU is 544 square feet and includes two bedrooms, one bath, a full kitchen with quartz counters and tile floors, reverse osmosis system, split A/C units, washer and dryer, and a private porch. The ADU was completely renovated in 2024. The exterior offers fresh paint and new landscaping with underground drip irrigation on a timer. Both homes have brand-new 2024 metal roofs. The property includes a new septic system installed in 2021, recently pumped and inspected. Located in Zone AE with updated culverts and drainage that flows to a nearby retention pond, this property has had no flooding or storm issues. Recent updates include a new dishwasher and kitchen range in 2025, new roofs, A/C, water heater, tile, quartz counters, water softener, and complete interior renovations in 2024, interior paint in 2023, and exterior paint in 2022. This property is move-in ready, income-producing, and priced to sell. It offers the perfect combination of country charm, modern upgrades, and convenience. Schedule your showing today to experience all that this unique property has to offer.
Source: STELLAR #TB8435991
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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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