Welcome to a home that blends space, comfort, and thoughtful updates into a lifestyle designed for both everyday living and unforgettable gatherings. Located in the highly desirable Sect. 15 community, this spacious 4 bedroom, 3.5 bathroom pool home offers room to grow, room to relax, and room to truly enjoy the Florida lifestyle. From the moment you arrive, you’ll appreciate the inviting curb appeal, mature landscaping, and welcoming presence that makes this home feel special before you even step inside. As you enter, natural light flows through the living spaces, highlighting the open layout and high ceilings that create an airy, inviting atmosphere. The interior was freshly repainted in 2023, giving the home a clean, modern feel while maintaining warmth and character. The kitchen features updated luxury vinyl plank flooring installed in 2023, offering both durability and style for busy households and entertaining guests. The open concept layout allows conversations to flow easily between the kitchen, dining, and living areas, making it easy to stay connected whether hosting friends or enjoying a quiet evening at home. This home offers multiple living spaces, giving everyone flexibility to spread out while still feeling connected. The split bedroom design provides privacy for the primary suite, which offers plenty of room for larger furnishings and creates a peaceful retreat at the end of the day. The additional bedrooms are generously sized, and the upstairs bedroom with ensuite bath provides an ideal private space for guests, a home office, or a multigenerational living arrangement. Step outside to your private pool area where Florida sunshine meets relaxation. The screened lanai creates the perfect setting for weekend barbecues, poolside gatherings, or peaceful mornings with coffee. The outdoor space is designed for both comfort and functionality, complete with access to a convenient pool bath. The backyard is fully fenced, offering privacy and peace of mind, whether you have pets, guests, or simply enjoy a secure outdoor environment. Recent updates provide confidence and long-term value, including a new water heater in 2024, solar panels installed in 2024 for energy efficiency, and a Vivint security system added in 2024 to help provide modern protection and peace of mind. Plantation shutters installed in 2025 enhance the front windows with timeless style, while new privacy shades installed in 2025 add comfort and functionality throughout the home. The kitchen has been further improved with a new oven and microwave installed in 2025, making meal preparation both enjoyable and convenient. Additional improvements include new landscaping completed in 2023, refreshed exterior foundation paint in 2023, and a full perimeter fence in the back yard installed in April 2022. These thoughtful enhancements contribute to the home’s overall beauty, privacy, and move-in ready appeal. With no HOA fees and a location convenient to Punta Gorda Airport, shopping, dining, beaches, golf courses, public boat ramps, and the new Sunseeker Resort, this home offers both convenience and lifestyle. Whether you're looking for space for entertaining, flexibility for family living, or simply a beautiful Florida retreat, this property offers something for everyone. Schedule your private showing today and experience the comfort, updates, and lifestyle this exceptional home provides.
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
