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Assumable homes for sale in Palm Harbor, FL

132 homesFHA & VA loansrates from 2.23% vs 7.32% today

Palm Harbor assumption guide
645 TIMBER BAY Circle, Oldsmar, FL, 34677 — assumable VA mortgage at 2.875%
VATop pick
Active
29
$260,000Potential short sale
Rate
2.875%
7.32%today
Payment
$1,286/mo
$2,129today
  • 3beds
  • 2baths
  • 1,274sqft

645 TIMBER BAY Circle, Oldsmar

2593 COUNTRYSIDE Boulevard #7307, Clearwater, FL, 33761 — assumable VA mortgage at 3.10%
VATop pick
Active
26
$175,000$14,720 equity gap
Rate
3.10%
7.32%today
Payment
$760/mo
$1,223today
  • 2beds
  • 2baths
  • 1,095sqft

2593 COUNTRYSIDE Boulevard #7307, Clearwater

403 BLUE MARLIN Drive, Oldsmar, FL, 34677 — assumable VA mortgage at 3.03%
VA
Active
38
$167,900$22,259 equity gap
Rate
3.03%
7.32%today
Payment
$711/mo
$1,153today
  • 2beds
  • 2baths
  • 1,078sqft

403 BLUE MARLIN Drive, Oldsmar

3207 COLDWELL Drive, Holiday, FL, 34691 — assumable VA mortgage at 3.07%
VA
Active
44
$289,000$45,543 equity gap
Rate
3.07%
7.32%today
Payment
$1,153/mo
$1,862today
  • 3beds
  • 2baths
  • 1,302sqft

3207 COLDWELL Drive, Holiday

4883 BREEZE Circle, Palm Harbor, FL, 34683 — assumable VA mortgage at 2.78%
VA
Active
22
$670,000$143,153 equity gap
Rate
2.78%
7.32%today
Payment
$2,439/mo
$4,087today
  • 4beds
  • 3baths
  • 2,499sqft

4883 BREEZE Circle, Palm Harbor

8 CITRUS Drive, Palm Harbor, FL, 34684 — assumable VA mortgage at 2.95%
VA
Active
95
$659,000$194,777 equity gap
Rate
2.95%
7.32%today
Payment
$2,199/mo
$3,606today
  • 4beds
  • 4baths
  • 2,094sqft

8 CITRUS Drive, Palm Harbor

2011 SEA FRONT Court, Clearwater, FL, 33763 — assumable FHA mortgage at 3.01%
FHA
Active
58
$255,000$52,840 equity gap
Rate
3.01%
7.32%today
Payment
$953/mo
$1,551today
  • 2beds
  • 3baths
  • 1,146sqft

2011 SEA FRONT Court, Clearwater

1690 PINEHURST Road, Dunedin, FL, 34698 — assumable VA mortgage at 3.04%
VA
Active
50
$549,000$114,201 equity gap
Rate
3.04%
7.32%today
Payment
$2,085/mo
$3,380today
  • 3beds
  • 2baths
  • 1,728sqft

1690 PINEHURST Road, Dunedin

5657 OCEANIC Road, Holiday, FL, 34690 — assumable VA mortgage at 3.09%
VA
Active
45
$549,900$160,644 equity gap
Rate
3.09%
7.32%today
Payment
$1,848/mo
$2,976today
  • 4beds
  • 4baths
  • 3,553sqft

5657 OCEANIC Road, Holiday

201 LAGOON Drive, Palm Harbor, FL, 34683 — assumable VA mortgage at 3.10%
VA
Active
50
$899,000$264,207 equity gap
Rate
3.10%
7.32%today
Payment
$3,017/mo
$4,853today
  • 4beds
  • 3baths
  • 2,764sqft

201 LAGOON Drive, Palm Harbor

2310 LISTON Circle, Palm Harbor, FL, 34683 — assumable FHA mortgage at 2.80%
FHA
Active
24
$350,000$126,048 equity gap
Rate
2.80%
7.32%today
Payment
$1,061/mo
$1,774today
  • 3beds
  • 2baths
  • 1,102sqft

2310 LISTON Circle, Palm Harbor

335 COUNTRY CLUB Drive, Oldsmar, FL, 34677 — assumable VA mortgage at 2.80%
VA
Active
52
$399,500$133,089 equity gap
Rate
2.80%
7.32%today
Payment
$1,236/mo
$2,066today
  • 4beds
  • 2baths
  • 1,224sqft

335 COUNTRY CLUB Drive, Oldsmar

502 FLORIDA Boulevard, Crystal Beach, FL, 34681 — assumable VA mortgage at 2.96%
VA
Active
65
$725,000$290,847 equity gap
Rate
2.96%
7.32%today
Payment
$2,103/mo
$3,443today
  • 3beds
  • 2baths
  • 1,875sqft

502 FLORIDA Boulevard, Crystal Beach

11092 WINDSOR PLACE Circle, Tampa, FL, 33626 — assumable FHA mortgage at 2.98%
FHA
Active
23
$329,000$122,849 equity gap
Rate
2.98%
7.32%today
Payment
$969/mo
$1,583today
  • 2beds
  • 2baths
  • 1,272sqft

11092 WINDSOR PLACE Circle, Tampa

1461 RIVER Circle, Tarpon Springs, FL, 34689 — assumable VA mortgage at 2.98%
VA
Active
68
$423,000$164,322 equity gap
Rate
2.98%
7.32%today
Payment
$1,232/mo
$2,013today
  • 3beds
  • 2baths
  • 1,722sqft

1461 RIVER Circle, Tarpon Springs

1605 GULF Road, Tarpon Springs, FL, 34689 — assumable VA mortgage at 2.99%
VA
Active
53
$1,068,000$417,649 equity gap
Rate
2.99%
7.32%today
Payment
$3,074/mo
$5,015today
  • 4beds
  • 4baths
  • 3,835sqft

1605 GULF Road, Tarpon Springs

1507 TALISKER Drive, Clearwater, FL, 33755 — assumable FHA mortgage at 3.01%
FHA
Active
37
$269,900$100,522 equity gap
Rate
3.01%
7.32%today
Payment
$829/mo
$1,348today
  • 3beds
  • 3baths
  • 1,416sqft

1507 TALISKER Drive, Clearwater

3459 WOODRIDGE Parkway, Palm Harbor, FL, 34684 — assumable VA mortgage at 3.11%
VA
Active
33
$1,125,000$399,201 equity gap
Rate
3.11%
7.32%today
Payment
$3,453/mo
$5,548today
  • 5beds
  • 3baths
  • 3,163sqft

3459 WOODRIDGE Parkway, Palm Harbor

753 SEMINOLE Boulevard, Tarpon Springs, FL, 34689 — assumable VA mortgage at 2.23%
VA
Active
70
$399,900$219,283 equity gap
Rate
2.23%
7.32%today
Payment
$1,693/mo
$2,373today
  • 3beds
  • 2baths
  • 1,742sqft

753 SEMINOLE Boulevard, Tarpon Springs

8115 MONTOCK Court, Trinity, FL, 34655 — assumable VA mortgage at 2.66%
VA
Active
54
$679,900$409,561 equity gap
Rate
2.66%
7.32%today
Payment
$1,381/mo
$2,261today
  • 4beds
  • 3baths
  • 2,515sqft

8115 MONTOCK Court, Trinity

2069 KINGFISHER Drive, Palm Harbor, FL, 34683 — assumable FHA mortgage at 2.71%
FHA
Active
49
$495,000$299,525 equity gap
Rate
2.71%
7.32%today
Payment
$913/mo
$1,544today
  • 3beds
  • 2baths
  • 1,751sqft

2069 KINGFISHER Drive, Palm Harbor

521 BAYWOOD Drive, Dunedin, FL, 34698 — assumable VA mortgage at 2.74%
VA
Active
90
$4,499,000$4,022,321 equity gap
Rate
2.74%
7.32%today
Payment
$2,222/mo
$3,745today
  • 5beds
  • 5baths
  • 5,690sqft

521 BAYWOOD Drive, Dunedin

998 DUMONT Drive, Dunedin, FL, 34698 — assumable FHA mortgage at 2.81%
FHA
Active
28
$489,000$233,487 equity gap
Rate
2.81%
7.32%today
Payment
$1,212/mo
$2,023today
  • 3beds
  • 2baths
  • 2,156sqft

998 DUMONT Drive, Dunedin

1726 SPLIT FORK Drive, Oldsmar, FL, 34677 — assumable VA mortgage at 2.81%
VA
Active
68
$599,000$240,204 equity gap
Rate
2.81%
7.32%today
Payment
$1,686/mo
$2,815today
  • 4beds
  • 3baths
  • 2,230sqft

1726 SPLIT FORK Drive, Oldsmar

1422 TAWNYBERRY Court, Trinity, FL, 34655 — assumable VA mortgage at 2.83%
VA
Active
31
$549,900$253,812 equity gap
Rate
2.83%
7.32%today
Payment
$1,404/mo
$2,338today
  • 4beds
  • 3baths
  • 2,268sqft

1422 TAWNYBERRY Court, Trinity

2211 PORTSIDE Passage, Palm Harbor, FL, 34685 — assumable VA mortgage at 2.84%
VA
Active
55
$409,000$228,725 equity gap
Rate
2.84%
7.32%today
Payment
$856/mo
$1,423today
  • 2beds
  • 2baths
  • 1,778sqft

2211 PORTSIDE Passage, Palm Harbor

169 FOXCROFT Drive, Palm Harbor, FL, 34683 — assumable VA mortgage at 2.88%
VA
Active
53
$639,999$430,768 equity gap
Rate
2.88%
7.32%today
Payment
$1,005/mo
$1,662today
  • 4beds
  • 2baths
  • 2,040sqft

169 FOXCROFT Drive, Palm Harbor

597 OZONA VILLAGE Drive, Palm Harbor, FL, 34683 — assumable VA mortgage at 2.91%
VA
Active
51
$725,000$400,682 equity gap
Rate
2.91%
7.32%today
Payment
$1,562/mo
$2,575today
  • 3beds
  • 4baths
  • 2,324sqft

597 OZONA VILLAGE Drive, Palm Harbor

7828 LAKE PLACID Lane, New Port Richey, FL, 34655 — assumable VA mortgage at 2.94%
VA
Active
24
$365,000$146,361 equity gap
Rate
2.94%
7.32%today
Payment
$1,035/mo
$1,699today
  • 3beds
  • 2baths
  • 1,832sqft

7828 LAKE PLACID Lane, New Port Richey

1743 MACDONNELL Drive, Palm Harbor, FL, 34684 — assumable VA mortgage at 2.96%
VA
Active
56
$449,900$278,762 equity gap
Rate
2.96%
7.32%today
Payment
$810/mo
$1,326today
  • 2beds
  • 2baths
  • 1,642sqft

1743 MACDONNELL Drive, Palm Harbor

4611 GRAND PRESERVE Place, Palm Harbor, FL, 34684 — assumable VA mortgage at 2.98%
VA
Active
70
$949,000$593,533 equity gap
Rate
2.98%
7.32%today
Payment
$2,044/mo
$3,142today
  • 5beds
  • 4baths
  • 3,358sqft

4611 GRAND PRESERVE Place, Palm Harbor

5406 LONGBOAT, Tampa, FL, 33615 — assumable VA mortgage at 2.98%
VA
Active
83
$1,150,000$587,410 equity gap
Rate
2.98%
7.32%today
Payment
$2,644/mo
$4,319today
  • 4beds
  • 3baths
  • 2,446sqft

5406 LONGBOAT, Tampa

842 CALLISTA CAY Loop, Tarpon Springs, FL, 34689 — assumable FHA mortgage at 2.99%
FHA
Active
51
$549,900$279,172 equity gap
Rate
2.99%
7.32%today
Payment
$1,285/mo
$2,097today
  • 3beds
  • 3baths
  • 2,304sqft

842 CALLISTA CAY Loop, Tarpon Springs

1067 ASHLAND Avenue, Tarpon Springs, FL, 34689 — assumable VA mortgage at 2.99%
VA
Active
89
$1,900,000$1,369,808 equity gap
Rate
2.99%
7.32%today
Payment
$2,517/mo
$4,106today
  • 4beds
  • 6baths
  • 5,815sqft

1067 ASHLAND Avenue, Tarpon Springs

93 CANAL Drive, Palm Harbor, FL, 34684 — assumable VA mortgage at 3.00%
VA
Active
39
$729,900$421,594 equity gap
Rate
3.00%
7.32%today
Payment
$1,489/mo
$2,426today
  • 3beds
  • 4baths
  • 2,370sqft

93 CANAL Drive, Palm Harbor

612 SPRUCE Street, Tarpon Springs, FL, 34689 — assumable FHA mortgage at 3.02%
FHA
Active
40
$300,000$189,935 equity gap
Rate
3.02%
7.32%today
Payment
$612/mo
$936today
  • 2beds
  • 1baths
  • 1,078sqft

612 SPRUCE Street, Tarpon Springs

Assuming a mortgage in Palm Harbor

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.23%
Lowest existing payment
$391 /mo
Median cash to assume
$146,815
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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