Pinellas County Assumable Homes: October 29, 2026 Update
Pinellas County homes with advertised assumable mortgages
Reviewed October 29, 2026 · Chris Johnson, EmpowerHome Team
The home needs to fit your life, and the financing needs to fit your budget. This update features 7 active homes with advertised assumable mortgages. Compare the photos, home features, prices and existing loan terms below.
Click a home photo or its listing button to open that specific property in our IDX search. Registration is required to view the full listing.
Pool home with a private ground-floor guest suite | Tarpon Springs
$1,068,000 · 4 bedrooms · 3.5 bathrooms
Advertised assumable rate: 2.99%
Loan type: VA
Pool home with a separate-entry guest suite, kitchenette and owned solar system.
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Pool home backing to a nature preserve | Clearwater
$999,000 · 4 bedrooms · 3 bathrooms
Advertised assumable rate: 2.875%
Loan type: VA
Screened pool and wooded views backing to Lake Chautauqua Nature Park.
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Remodeled Shore Acres home with two living spaces | St. Petersburg
$500,000 · 3 bedrooms · 2 bathrooms
Advertised assumable rate: 2.99%
Loan type: FHA
Two spacious living areas, a covered screened lanai and an attached two-car garage.
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Remodeled kitchen in Pinellas Point | St. Petersburg
$459,000 · 3 bedrooms · 2 bathrooms
Advertised assumable rate: 3.125%
Loan type: Loan type not specified
Updated kitchen and bathrooms, enclosed lanai and owned solar panels.
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Pond-view townhome with a screened porch | Clearwater
$365,000 · 3 bedrooms · 2.5 bathrooms
Advertised assumable rate: 2.9%
Loan type: VA
Two-story townhome with a two-car garage and walk-in closets in all three bedrooms.
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55+ waterfront condo with Tampa Bay views | Clearwater
$315,000 · 2 bedrooms · 2 bathrooms
Advertised assumable rate: 5.25%
Loan type: VA
Seventh-floor condo with covered parking in a gated 55+ community. Confirm community eligibility and rental or occupancy conditions.
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55+ home with a Florida room and 2023 roof | Clearwater
$295,000 · 2 bedrooms · 2 bathrooms reported**
Advertised assumable rate: Approximately 6%
Loan type: VA
Updated home in The Lakes, a 55+ community. **Public remarks describe 1.5 baths while structured listing fields show 2; confirm the bathroom count.
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Check the home and the loan together
The advertised rate applies to the eligible existing loan balance, not automatically to the full purchase price. Confirm the balance, remaining term, cash needed for the difference, closing costs, fees and approval timeline. Taxes, insurance, HOA dues and any mortgage insurance also affect your monthly cost.
For a VA assumption, confirm the seller’s entitlement and buyer eligibility requirements with the seller and servicer. All assumptions require the applicable approval and qualification.
Have a home to sell first? Call Chris at 813-669-7929 to plan both moves together.
Chris Johnson | EmpowerHome Team
Keller Williams Realty At The Lakes
Sources: supplied OneHome listing information and current Stellar MLS listings displayed through our IDX feed, reviewed October 29, 2026. Prior-home statuses were also checked through Zillow, Realtor.com or Homes.com where available. Listing photos and descriptions are supplied by the listing brokers. Properties may be listed by other brokers. Prices, availability, measurements and seller-advertised loan terms may change. *The source omitted the percent sign; verify the exact rate. 55+ community eligibility requirements apply where noted. Equal Housing Opportunity.
