15390 Ancel Cir, Port Charlotte, FL 33981
4 beds · 3 baths · 2,628 sqft
AMAZING Price - for this Gulf Access Pool Home with 10K Boatlift! This Waterfront 4 Bedroom Retreat in South Gulf Cove is an idyllic haven for those seeking the perfect blend of coastal charm and vibrant community living (no HOA required). Large entry doors open to a grand foyer revealing a spacious layout looking out to a beautiful waterfront lanai. Sliding glass doors open on both sides of the refinished pool allowing that indoor/outdoor Florida dream, all while soaking in those waterfront views. For those who enjoy a touch of angling, the brackish water surrounding your dock offers the unique experience of catching both saltwater and freshwater fish. Alternatively, embark on your boat situated on the 10k lb newly covered boatlift for a captivating sunset cruise along the waterways as well as quick access to the Charlotte Harbor or onto the Intracoastal Waterway and Gulf of Mexico! Inside, the home exudes sophistication with decorative niches, stately columns, and a gourmet kitchen featuring solid wood maple cabinets, granite counters, a double oven, and a charming breakfast nook with an aquarium window. The kitchen seamlessly connects to the spacious Great Room, adorned with tray ceilings and plenty of natural light. Open the sliders to create an ideal space for both casual and formal entertaining. The master suite is a sanctuary of comfort and style featuring direct pool access, his and her closet, and a master bath with double sinks, garden tub, and a walk-through Roman shower. The guest rooms are generously proportioned and complemented by two well-appointed guest baths. Practicality meets luxury with a large laundry room conveniently situated between the spacious 2 1/2 OVERSIZED GARAGE (25x22) and the kitchen, complete with a deep sink, counter space, and extra storage. Outdoors you'll feel true paradise offering panoramic views of intersecting canals and stunning royal palms from your oversized lot. Entertain in style with ample seating around your heated, saltwater pool, all framed by mature landscaping and fruit trees thriving with irrigation. Recent updates include new roof 2023, new A/C 2020, refinished pool and pool deck, new saltwater chlorinator, pool pump & pool timer, fresh paint, new lanai screens and boat lift canopy. This property is a rare gem and to truly appreciate its grandeur, we invite you to schedule a private viewing. Your own piece of paradise awaits! No Storm Damage! **Assumable 2.25 interest rate may be available for qualified VA buyers, see lender for details!
Source: STELLAR #D6133512
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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
Source: STELLAR #D6133512
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 620, 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.