*****Rare advantage of an Assumable FHA mortgage for qualified owner-occupants + up to $4,750 in Concessions with Acceptable Purchase Contract***** Welcome home to 10105 Vineyard Lane, where comfort, opportunity, and coastal convenience come together in one inviting package. This 2-bedroom, 2-bath single-family home with a bonus room in Port Richey's desirable Regency Park neighborhood offers a thoughtful blend of recent upgrades and value-add potential - plus the rare advantage of an assumable FHA mortgage for qualified owner-occupants, allowing eligible buyers to step into a significantly lower monthly payment than today's market rates. Step inside to find brand-new hurricane-rated windows throughout, a newer HVAC system with updated ductwork (installed four years ago), and a kitchen featuring modern appliances just three years old - delivering turnkey efficiency where it counts. Updates have already been started for you. The second bedroom's ensuite bath renovation is underway, with tile, vanity, and fixtures already on-site and ready to be completed. A new vanity for the main bathroom is included as well. The roof will need replacement, and that need is reflected in the price - creating an excellent opportunity to build equity and customize the home to your style. Outside, the property offers a generously sized lot in a quiet, established community with no HOA and convenient access to parks, shopping, restaurants, and the beautiful Gulf Coast. Perfect for buyers looking for comfort, affordability, and long-term value, this home delivers a compelling combination of benefits - especially with the assumable FHA loan opportunity. Come see why Vineyard Lane may be the right fit for your next move.