Golf Course Living in DeLand at 171 Birchmont | Assumable Loan at 2.87%
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# Golf Course Living in DeLand at 171 Birchmont | Assumable Loan at 2.87%
If you've been watching the Florida real estate market and wondering whether the right home might still be within reach, 171 Birchmont in DeLand just made the conversation a lot more interesting. This beautifully positioned single-family home sits along the 7th hole of one of Central Florida's most desirable golf courses, and it comes with something almost impossible to find in today's market: an assumable mortgage at just 2.87%.
That number matters. In a world where new buyers are locking in rates above 6.5%, inheriting a 2.87% loan could mean tens of thousands of dollars in savings over the life of the loan. Let's walk through what makes this DeLand property worth your attention.
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The Location: DeLand, Florida — A City Worth Knowing
DeLand (pronounced Dee-land) is one of Central Florida's best-kept secrets. Located in Volusia County, this historic city has been called one of the "Most Beautiful Main Streets in America" by USA Today, and once you visit, you'll understand why. The downtown district is lined with local boutiques, art galleries, coffee shops, andfarm-to-table restaurants. The Streets of Downtown DeLand hosts frequent art walks, live music, and community events that make the city feel alive year-round.
DeLand is also home to Stetson University, which gives the city a youthful energy and a strong sense of community. The university brings cultural events, lectures, and sporting events that enrich the local scene.
For those who love the coast, DeLand is roughly 30 minutes from Daytona Beach and about 45 minutes from Orlando. That puts you within easy reach of the Atlantic shoreline for weekend getaways, yet still close enough to Orlando's airports, theme parks, and international dining.
For golf lovers, the location is especially sweet. Several quality courses are within a short drive, and the surrounding area offers plenty of green space, nature trails, and outdoor activities.
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The Assumable Loan at 2.87% — Why This Changes Everything
This is the headline that sets 171 Birchmont apart from nearly every other listing on the market.
Today's average 30-year mortgage rate hovers around 6.8% (as of early 2026). On a $529,000 loan at that rate, your monthly principal and interest would be roughly $3,460. The same loan at 2.87%? Approximately $2,180 per month. That's a difference of nearly $1,280 every single month — or over $15,000 per year.
Over a 30-year term, the total interest paid on a 6.8% loan would be dramatically higher than on a 2.87% loan. By assuming this loan, a qualified buyer could potentially save $150,000 to $200,000 or more in interest over the life of the mortgage.
An assumable loan with an interest rate this low is exceptionally rare in the current market. Buyers actively seeking assumable loan opportunities are watching properties like this closely. If you or someone you know has been priced out of the market by high rates, this listing deserves a closer look.
Important note: Buyers should verify loan assumption eligibility with their lender and consult with a mortgage professional to confirm the process and qualification requirements.
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Inside 171 Birchmont: 2,691 Sq Ft of Well-Designed Living
This 3-bedroom, 4-bathroom home offers just over 2,600 square feet of living space — generous enough for families, couples, or anyone who simply appreciates room to breathe.
The layout includes a chef's kitchen with granite countertops and stainless steel appliances, designed for both everyday cooking and hosting. There's ample counter space, a layout that keeps the kitchen connected to the main living areas, and enough room for a large island or breakfast bar.
The home features four full bathrooms — a rarity at this price point. For households where multiple people need to get ready in the morning, or for guests who want privacy, the extra bathrooms make a meaningful difference in daily comfort.
Throughout the home, you'll find thoughtful finishes and a floor plan designed for real living — not just staging.
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Screened-In Patio Overlooking the 7th Hole
One of the property's most compelling features is the screened-in lanai that faces the golf course's 7th hole. This isn't just a patio with a partial view — it's a front-row seat to the game.
Imagine starting your morning with coffee on the lanai, watching golfers navigate the fairway as the Florida sun rises. Or ending your day with a glass of wine while the golden hour light sweeps across the green. For golf enthusiasts, this isn't just a view — it's a lifestyle.
The screened enclosure keeps the space comfortable year-round, protecting you from insects while still allowing you to enjoy Central Florida's warm evenings and cool mornings. It's the kind of outdoor living that Floridians know to value — a space that blurs the line between inside and outside without the constant battle with mosquitoes.
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HOA Amenities: A Resort-Style Lifestyle
The community at 171 Birchmont offers an impressive roster of amenities that elevate day-to-day living:
- Tennis courts — well-maintained and available for residents
- Fitness center / gym — on-site, so you never have an excuse to skip a workout
- Resort-style swimming pool — the kind you'd expect at a high-end vacation property
- Lake with walking paths — perfect for evening strolls or a peaceful weekend walk
- On-site restaurant — because sometimes you want a meal without getting in the car
These amenities are included within your HOA, making the community feel more like a private resort than a typical neighborhood. For buyers who value an active, social lifestyle without needing to drive far for recreation, this is a significant draw.
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Who Is This Home Perfect For?
Retirees looking to relocate to Florida will find the combination of low-maintenance living, resort amenities, and an assumable loan at 2.87% extremely compelling. The affordability of a sub-3% loan on this price point changes the math on what Florida living can cost.
Golf lovers will appreciate the direct course access, the screened patio, and the walkable community atmosphere. This is as close as it gets to a private club experience without the exclusive membership fees.
Remote workers and digital professionals can take advantage of the dedicated space for a home office, the comfortable living areas, and DeLand's growing reputation as a quieter, more affordable alternative to Orlando's busier corridors. High-speed internet is available, and the lifestyle here supports focused work without sacrificing quality of life.
Families looking for room to grow will appreciate the three full bedrooms, four bathrooms, and the large living spaces that can adapt to changing needs over time.
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A Market Snapshot: DeLand Florida Golf Course Homes for Sale
The DeLand golf course market is active but inventory remains limited. Homes that offer both course views and assumable financing are especially scarce — many buyers in this segment are paying cash or bringing substantial down payments due to today's rate environment.
Properties in communities like the one at 171 Birchmont tend to hold their value well because they offer a lifestyle that's hard to replicate — course proximity, resort amenities, and an established neighborhood with mature landscaping.
Comparable homes in the DeLand area have been selling in the $450,000 to $650,000 range depending on size, view, and condition. At $529,000 with a 2.87% assumable loan, this listing is positioned competitively for both end-users and investors.
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Key Takeaways
- Assumable loan at 2.87% — extraordinary in today's market; potential savings of $150K+
- 3 beds, 4 baths, 2,691 sq ft — room for everyone, including guests
- Screened patio on the 7th hole — daily golf course living
- Chef's kitchen with granite and stainless steel
- Full HOA amenities: tennis, gym, resort pool, lake, walking paths, on-site restaurant
- Barbara Cochrane, your listing agent, is available at 386-500-1192
- DeLand is 30 min from Daytona Beach, 45 min from Orlando
- Ideal for retirees, golf lovers, remote workers, and families
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Frequently Asked Questions
Q: What does it mean to assume a mortgage?
A: When you assume a mortgage, you take over the existing loan from the seller. The interest rate, remaining balance, and monthly payment remain the same — you step into their shoes. This allows you to benefit from a low rate that would be unavailable to you on a new loan.
Q: Can anyone assume a loan?
A: Most conventional assumable loans require the buyer to qualify through a credit and income review, similar to a traditional refinance. However, the qualification process may be less stringent than a brand-new mortgage. Buyers should consult with their lender to confirm eligibility.
Q: Is 2.87% really that significant?
A: Yes. As of early 2026, average 30-year fixed rates are above 6.5%. A 2.87% loan represents a nearly 4-point spread, which translates to hundreds of thousands of dollars in interest savings over the life of the loan compared to today's market rates.
Q: What is the HOA fee, and what does it cover?
A: The HOA covers maintenance of common areas, amenities (pool, tennis, gym, lake), and community services. Specific fee amounts should be confirmed with the listing agent.
Q: Is the golf course view unobstructed?
A: Yes — the screened-in patio overlooks the 7th hole, offering a direct and pleasant view of the fairway and surrounding landscape.
Q: When was the home last updated?
A: The kitchen features granite countertops and stainless steel appliances, and the home has been well-maintained by its current owners. Buyers should request a complete list of updates from Barbara Cochrane at 386-500-1192.
Q: Is this property in a flood zone?
A: DeLand's elevation and location outside of coastal storm surge zones generally work in the community's favor. Buyers should request a flood zone determination and review disclosures during the contract period.
Q: How close is this to Orlando and the beaches?
A: DeLand is approximately 45 minutes northwest of Orlando and about 30 minutes from Daytona Beach, giving residents easy access to the city and the coast.
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Ready to learn more about 171 Birchmont? Contact Barbara Cochrane at 386-500-1192 for a private showing or to discuss the assumable loan details. This is one of those opportunities that doesn't stay on the market long — especially at this price with this rate.
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