13216 Donaldson Ave, Port Charlotte, FL 33953
3 beds · 2 baths · 2,239 sqft
Exquisite Florida Pool Home with Stunning Lake Views and Canal Access Welcome to your dream home in sunny Florida! This meticulously maintained 3-bedroom, 2-bathroom gem sits on a sprawling HALF ACRE lot and offers breathtaking lake views that will make you fall in love the moment you arrive. As you approach this home, you'll be captivated by its impressive curb appeal. You'll open the door to a grand foyer where you'll be immediately greeted by panoramic views of the serene lake and sparkling saltwater pool. The high ceilings, adorned with tray ceilings in select rooms, enhance the sense of spaciousness and elegance. The home features beautiful ceramic tile flooring throughout, adding a touch of luxury and easy maintenance. The gourmet kitchen is a chef's delight, complete with a breakfast bar and all modern appliances. Family room (current craft room) with sliding door access to lanai and views of the lake, living room, and separate dining room, there's ample space for entertaining family and friends in style. The master bedroom offers a private retreat, situated on the opposite side of the guest bedrooms for added privacy. The master bath is a true sanctuary, featuring his and her sinks, a relaxing soaking tub, and a separate shower. Step outside to the tranquil pool area, where you can unwind while enjoying the picturesque lake views. The outdoor space is perfect for peaceful mornings or lively gatherings. You don't want to miss the air conditioned studio! Also, a dog run for your furry companions. For boating enthusiasts, the community private boat ramp is just a short walk down the road, providing easy access to the canal for boating and jet skiing adventures. This home has seen numerous updates in 2023, including a new roof, irrigation system, pool screen, air conditioner, well pump, and more, ensuring it’s move-in ready and worry-free. NO HURRICANE DAMAGE
Source: STELLAR #c7497959
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #c7497959
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
MLS ID: #c7497959
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.