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 todays 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.