2161 Gardenia Ave, Port Charlotte, FL 33953
3 beds · 3 baths · 2,217 sqft
One or more photo(s) has been virtually staged. Wouldn’t you like an active and social lifestyle? Biscayne Landing is the place to be and I am the Executive home for you! Not to mention, I am better than new. I was built in 2021 and have 3 bedrooms, 3 bathrooms, over 2200 square feet! I have been very gently lived in for a short time by my owners. All the additional "New Build Fees" have already been paid! Some outstanding features of my gated community are NO CDD fees also not located in a designated flood zone. The LOW HOA dues include lawn mowing, basic internet and cable in addition to the great amenities. Go hang out in the pool after playing pickleball, tennis or getting your good workout in at the fitness center. Enough about my community, let’s talk more about me. As you approach, you can’t miss my glass front door. Which opens right into the light and bright foyer! Ahh…You immediately feel like you are home. I have a great den which can serve you in multiple ways. My kitchen has abundant cabinetry with an oversized granite island and a coffee bar. Picture having a fun brunch with neighbors or hosting a birthday dinner! You certainly will notice the extras details like custom electric window coverings, fans in all bedrooms, additional lighting in kitchen and dinette. All cabinetry has designer hardware which adds a little bit of pizzazz. The owners suite is tucked towards the rear, for solitude. There is an additional en-suite perfect for guests, or other family members, that wish to feel like they have their own private quarters. The third bedroom is just off the foyer. I am located on a premium lot and have an oversized screened rear lanai. Ideal for outdoor dining and recreation – also plenty of room if you envision adding a pool. I have a whole house Ring alarm system and doorbell of course – all customizable by my new owner. I am conveniently located close to quiet nature preserves, as well as all the rest of Southwest Florida's finest offerings to include the Charlotte Sports Park (Home of the Tampa Bay Rays Spring Training Facility) and the county Fairgrounds. Twisted Fork is a destination for live music and great food within 10 minutes. Punta Gorda airport is only 20 minutes away. Englewood and Boca Grande provide many choice beaches on the Gulf of Mexico. Variety of golf courses to choose from as well. Venice is just 20 miles NW. Isn’t it time to come live the life you’ve been dreaming of!!
Source: STELLAR #n6133066
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #n6133066
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 30-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: #n6133066
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.