2308 HARBOUR DR, Punta Gorda, FL 33983
UPDATED, 3 BED/2 BATH, WATERFRONT HOME IN HARBOUR HEIGHTS ALONG THE PEACE RIVER W/ ***NEW ROOF***, ***104 FT OF WATER FRONTAGE*** & EXCEPTIONAL WATER VIEWS OF WHIDDEN BAY - This 3 bed/2 bath home has seen nearly every room recently updated. The result is a light & bright, renovated waterfront residence w/a contemporary open floor plan & coastal vibes throughout. The layout includes an open concept living room, kitchen & Florida room. The kitchen boasts stainless steel appliances, a mix of quartz & butcher block counters w/a breakfast bar & designer pendant lighting plus solid wood cabinetry. Large picture windows in the Florida room & master bedroom overlook the spectacular view. Other architectural details include tile flooring throughout w/beautiful Mexican tile in the Florida room, shiplap accent wall, and modern ceiling fans. The spacious master suite has an oversized walk-in closet, a spa-like master bath w/LED lighted mirror & glass-enclosed shower. The split bedroom floor plan features two large guest rooms. A French door opens to the screened patio. Picture frame screens on the patio ensure a pest-free, unobstructed view. Enjoy gorgeous sunrises over Whidden Bay. LONG LIST OF UPDATES including NEW roof, ALL NEW stainless-steel appliances, NEW water heater, NEW electrical wiring w/new electrical box & wiring from street to home, NEW PEX plumbing throughout, NEW impact garage door, & NEW shed. Other amenities include whole-house hurricane protection that includes electric & manual roll down shutters plus an oversized, attached, 2-car garage w/workshop & adjacent shed. Well-maintained, tropical landscaping surrounds the home creating the feeling of a private oasis. A small sandy beach has been created between the davits meanwhile a two-pronged wooden dock is just waiting to host your boat, kayak, wave runner or paddleboard. Let your maritime adventures begin from your backyard & start living the Florida dream. You'll enjoy front row access to some of the best fishing & boating that SW Florida has to offer. Home is located on a VERY QUIET street. Harbour Heights boasts a nearby waterfront park w/playground, boat launch, tennis/pickle ball courts, basketball courts & picnic area. Seller has a transferrable NFIP flood policy with $3,187 annual payment. Make an appointment today.
You may be able to put down less than the total down payment amount of $360,192 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #c7493625
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.