Demonstration build. The properties below are sample records showing how the search works — invented addresses, not real listings. Real Tampa Bay records are being loaded county by county.

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Somebody else already locked the good rate. Buy their house and keep it.

A 2021 VA loan at 2.6% doesn't disappear when the house sells — it transfers to the buyer, with the servicer's approval. This is a working index of Tampa Bay homes carrying an assumable FHA, VA or USDA loan, with an estimate of what's left on it.

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Hillsborough · Pinellas · Pasco · Polk · Manatee · Hernando · Sarasota. Every figure is estimated from recorded loan data — nothing here is confirmed by a servicer.

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What we can know, and what we're estimating

Mortgage balances are not public information. Anyone who tells you otherwise is selling you a guess with more confidence than it deserves. Here is exactly how each number on this page is produced.

RECORDED

Loan program and original amount

Recorded mortgage instruments name the program and the original principal. This part is fact, pulled from county records.

MODELED

Note rate

Rates are rarely recorded. We estimate from the origination quarter against Freddie Mac survey averages, adjusted by the current FHA, VA and USDA spread.

MODELED

Current balance

Amortized forward from the original amount, estimated rate and origination date. Extra principal, recasts and silent refinances all move this number.

VERIFIED LATER

Whether it can actually be assumed

Only the servicer confirms assumability, the payoff and your approval. This gets you to the door; the servicer opens it.

Two Tampa Bay costs that national calculators get wrong

Your tax bill will not be the seller's tax bill. Save Our Homes caps assessment growth for the current owner, and that cap resets to market value the year after a sale. Every property tax figure here is calculated on the purchase price, not the seller's current bill — which is usually far lower and badly misleading.

Insurance is the payment, on this coast. A Pinellas or Sarasota premium runs very differently from a Polk County one. Premiums here are estimated per county rather than from a national average that would understate the Gulf side by half.

Why this costs nothing

There's no account, no card, and no email wall in front of the search. It's worth being straight about why.

I'm a licensed agent, not a data company

I work Tampa Bay full time with The Lion Den Group at LPT Realty. This tool exists because assumable loans are hard to find and I'd rather be the person who helps you find one than sell you a subscription to look.

I get paid if you buy, not if you browse

If you find something here and want to pursue it, I can represent you on the purchase, and the commission on a closed sale is how that works. Search all you like either way.

Already have an agent? Still use it.

If you're already under a representation agreement with someone, take these listings to them — that's how it should work. The index is here to be useful, not to poach.

Seven counties, because that's what I can cover

Hillsborough, Pinellas, Pasco, Polk, Manatee, Hernando and Sarasota. These are the counties I actually work and can verify records in. I'd rather do seven properly than fifty badly.

Found one worth a closer look?

I'll call the servicer and confirm it with you.