15626 Meacham Cir, Port Charlotte, FL 33981
3 beds · 3 baths · 2,527 sqft
"A ship in port is safe, but that's not what ships are for..." SAILOR/BOATER'S PARADISE! Dock your best boat here! Located on the Meacham Waterway, this dream home has SAILBOAT ACCESS and NO BRIDGES with quickest access to Myakka River, Charlotte Harbor and the Gulf of Mexico! Why would you want to live anywhere else in South Gulf Cove? 46' foot concrete dock on a seawall has a 16,000 lb. Boatlift with a Southern Exposure. Don't miss this one! Pictures speak volumes. Spacious open plan beautiful 3 bedroom, 2.5 bath home with over 2,500 square feet has plenty of light with multiple sliding glass doors to oversized lanai area with a pool and spa. Outside shower, bathroom and storage closet convenient for family and guests use after swimming or soaking in the spa. Additional features include High Ceilings, Built In Dry Bar perfect for entertaining, Design Details such as Arches, Columns and Plant Shelves are throughout the house. Recessed and decorative lightning and nice fans. Awesome Chef Kitchen with plenty of cabinets and counterspace opens to the Family Room and rest of the living area making it easy to entertain large parties and family gatherings. Primary bedroom is extraordinary with volume tray ceiling, two walk in closets with custom shelving, ceramic planking tile, sliders to the pool area and bathroom with an oversized bathtub, dual sinks and tile roman shower. Pocket door to other two bedrooms and bath allow privacy for your guests. Ceramic tile throughout the house. Total square footage according to County Records. Room measurements are estimated. Pool and Spa are both Heated and SALTWATER! Backyard dock complete with electric and water with cleaning station and storage. Take the boat fishing or fish right off your own dock! Home has a Security System and Accordion Storm Shutters for Hurricane Protection. ASSUMABLE FLOOD INSURANCE POLICY! New Roof 2023, 3-Zone Air Conditioner 2022, Irrigation Pump 2023, Pool Heat Pump 2020, Pool Salt Cell 2020. South Gulf Cover has a voluntary Association for a small fee, public ramp, fishing dock, parks and sidewalks. A lifestyle home you won't want to miss. Take a look and imagine yourself enjoying a day on the water only to get to watch an unbelievable sunset as you return home. Jump in the pool at the end of the day and grill that catch of the day! This one is worth a look. Book your showing today!
Source: STELLAR #D6140143
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 #D6140143
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.