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14756 Ponce De Leon Trl, Port Charlotte, FL 33981
3 beds · 3 baths · 1,849 sqft
Welcome to your Florida dream home in the gated community of Harbor West, located in the Port Charlotte/South Gulf Cove area. This beautifully maintained 3-bedroom, 3-bath pool home was built in 2021 and offers the perfect blend of comfort, style, and peace of mind with IMPACT-RATED WINDOWS AND SLIDERS — keeping insurance costs low and maintenance easy. The popular Venice floorplan by Lennar features an open, flexible layout with spacious living areas, a large kitchen island, granite countertops, stainless steel appliances, white cabinetry and a corner pantry. Oversized diagonal tile flows throughout the home — no carpet here! The primary suite includes two walk-in closets, dual vanities, and an oversized walk-in shower, offering a private retreat after a day in the sun. Sitting on one of the largest lots in the community, this home enjoys water views from both the front and back. Start your mornings with coffee on the covered front porch as the sun rises, and unwind in the evening from your screened lanai while watching the sunset. The pool and spa are surrounded by a paver patio and a newer PANORAMIC SCREEN enclosure that maximizes the lake view. No flooding in recent storms, and the seller’s flood policy (approx $1,000 annually) is transferable to a new owner For VA buyers, this home offers an incredible bonus - the Seller has an ASSUMABLE MORTGAGE with a rate under 2.5% which could significantly reduce the mortgage payments. Harbor West is a quiet, well-kept community with two gated entrances, manicured landscaping, and low HOA fees that include lawn care and trimming. All homes in the neighborhood back onto a lake or gulf-access canal, and the community design encourages neighbors to connect. Lots are well-spaced, with plenty of room on driveways for visitor parking and all homes are on public water, no septic. Just a short drive from Englewood, Boca Grande, North Port, and Wellen Park, you’ll be close to beaches, golf, shopping, dining, and spring training baseball. Whether you're looking to relocate, invest, or escape winter weather, this is your chance to own a slice of Florida paradise in one of the area’s best-kept secrets.
Source: STELLAR #D6142943
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #D6142943
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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