1104 Larchmont Dr, Englewood, FL 34223
4 beds · 2 baths · 2,118 sqft
This charming 4-bedroom, 2-bathroom home sits on over half an acre in the highly sought-after Englewood Gardens neighborhood, offering plenty of space and endless potential to make it your own. With public water access and just minutes from the beach, this property embodies the best of Florida living. The lot provides excellent privacy, and the welcoming front porch is a great spot to relax and take in the peaceful surroundings. Step inside to find stylish updates, including sleek contemporary cable railing and beautifully tiled flooring throughout the first floor for a seamless and low-maintenance look. The updated kitchen blends style and functionality, featuring coastal grey cabinetry, light quartz countertops and backsplash, and newer stainless steel appliances. An oversized layout with ample storage makes it easy to organize and entertain, while the adjacent dining area provides the perfect gathering space. The Great Room is bright and open, with sliding glass doors leading to the enclosed lanai, offering an ideal spot for indoor-outdoor living. For additional storage, a spacious 30’ x 11’ shed complements the two-car garage, providing plenty of room for tools, beach gear, or hobbies. A versatile first-floor bedroom with a closet can serve as a guest room, home office, or playroom. Upstairs, the expansive Master Suite features a walk-in closet and an en-suite bath with a glass-enclosed tiled shower, new vanities, and granite countertops. Two additional upstairs bedrooms share an updated full bath with custom tile work and a modern vanity. This home is move-in ready with plenty of potential for personal touches—whether updating further or adding your own style to make it truly yours. Centrally located in the heart of Englewood, you’re just minutes from golf courses, locally-owned restaurants, and the pristine Gulf beaches of Boca Grande and Manasota Key. As an added bonus, this home is eligible for membership at the Englewood Beach Club, providing exclusive access to a private beach on Manasota Key. Plus, with the home located in an X flood zone, no flood insurance is required, adding peace of mind to your new investment. Don’t miss out on this exceptional opportunity—schedule your private showing today and start making this your new forever home!
Source: STELLAR #D6141515
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: STELLAR #D6141515
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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 committed to and abides by the Fair Housing Act of Equal Opportunity Act.