One or more photo(s) has been virtually staged. Elegant 3-Bed, 2.5-Bath Townhome with 2.5% FHA Assumable Loan in Gated Oldsmar Community. Welcome to Vineyard Lane, where modern style and convenience come together. This beautifully designed townhome offers a rare opportunity to assume an existing FHA mortgage at just 2.5%, an incredible advantage in today’s market. The open-concept layout features a gourmet kitchen with granite countertops, stainless steel appliances, and custom cabinetry. The spacious living area is ideal for entertaining, while the primary suite provides a private retreat with a spa-like ensuite bath. Two additional bedrooms and a full bath complete the upstairs level. Enjoy maintenance-free living with exclusive gated community amenities, all while being just minutes from Tampa Bay, Clearwater Beach, Tampa International Airport, Oldsmar Town Center, top-rated schools, shopping, dining, parks, and golf courses. This is a unique opportunity to combine luxury living with an unbeatable mortgage rate. Schedule your private showing today.