25073 Golden Fern Dr, Punta Gorda, FL 33955
4 beds · 3 baths · 2,287 sqft
PRICE REDUCTION! PRICED TO SELL!! STUNNING HOME WITH GOLF MEMBERSHIP and NO FLOOD ZONE!!!!!! Are you looking to live that resort lifestyle in sunny Florida? Look no further! This impressive 4-bedroom, 3-full-bathroom home with an attached 3-car garage is located in the desirable Heritage Landing Golf and Country Club checks all the boxes! This 2021 built light and airy home offers an open and split floor plan. Enter through the grand foyer and continue into the Great Room, which boasts a tray ceiling, wood-look tile flooring, and sliding glass doors to the lanai. The open concept floor plan allows the Great Room to flow seamlessly into the impressive kitchen and dining room. The spacious kitchen features, granite counters, white wood cabinetry, stainless steel appliances, tile backsplash, built-in oven and microwave, dishwasher, kitchen dining area, large island with breakfast bar seating, and tons of storage space! The primary bedroom suite is adorned with a tray ceiling, 2 walk-in closets, and a private en-suite bathroom with dual sinks, a large tiled walk-in shower, white wood cabinets, and granite counters. Bedroom two has an en-suite bathroom, while the third and fourth bedrooms share a bathroom with dual sinks. The inside laundry room offers a washer, dryer, and cabinets for storage. Your living space extends through sliding glass doors to the newly screened-in lanai with a covered area, a built-in outdoor kitchen with a stainless-steel grill, and a ventilation hood. Other features include a paver walkway and driveway, wood-look tile flooring throughout the main living area, custom light fixtures and ceiling fans, tropical landscaping, rain gutters, high ceilings, crown molding, and impact glass (all windows and sliders) and electric hurricane shutter for lanai. Heritage Landing Golf and Country Club is a premier gated community offering resort-style living with a 24-hour guard at the gate, an 18-hole Gordon Lewis golf course, 3 community pools with one large pool with a spa, 2 bocce courts, 6 tennis courts, 6 pickleball courts, driving range, chipping and putting green, clubhouse with casual and fine dining, indoor and outdoor bars, a 24/7 fitness center, an aerobics room, a full-service spa/salon, and two saunas. The pool cafe offers pool side service, the main pool has a bar. All amenities are included in your HOA fees. This unit is perfect for year-round residents, winter residents, or a rental investment. Your home is just minutes from quaint downtown Punta Gorda with locally owned restaurants, shopping, Charlotte Habor for fishing and boating, 18 miles of bike and pedestrian trails, numerous golf courses, the PicklePlex and the well-known Fishermans Village. It's home to many events, including a Saturday and Sunday Farmer's Market, boat tours, wine walks, and art fairs. Punta Gorda airport is just minutes away and Sunseekers resort is just over the bridge. Come and start living the Florida life of fun and sun!
Source: STELLAR #C7503366
Financials
Source: STELLAR #C7503366
Source: Public records
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%. 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.
Other resourcesWhat 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.
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