3629 Bonaire Ct, Punta Gorda, FL 33950
3 beds · 3 baths · 3,228 sqft
Welcome to your dream home in the coveted Punta Gorda Isles! This exquisite residence, built by Tim Towles, epitomizes luxury waterfront living with an impressive 175 feet of sailboat-access water frontage, providing direct access to Charlotte Harbor and the Gulf of Mexico. Boating enthusiasts will appreciate the expansive dock, complete with a 30,000 lb. lift, ideal for accommodating your prized vessel. Step inside to be greeted by elegant travertine flooring that extends throughout the home, enhancing the spacious, open floor plan. Designed for both comfort and sophistication, the residence features a luxurious primary suite with custom closets, built-in cabinetry, and a tranquil ensuite. The zero-corner sliders seamlessly merge indoor and outdoor living, offering picturesque views of the pool and spectacular sunsets. The gourmet kitchen is a chef's dream, boasting stunning cabinetry, gas cooking, and ample space for meal preparation. High-end appliances and thoughtful design elements make this kitchen both functional and visually striking—perfect for entertaining or crafting culinary masterpieces. Safety and convenience are paramount, with features including a safe room, a 250-gallon propane tank that powers a Generac automatic generator for uninterrupted comfort during any weather, and roll-down storm shutters for additional protection. The new cement tile roof and dual AC units ensure efficiency and durability. The living room is enhanced by a gas fireplace featuring a distinctive back-lit white onyx display, creating a warm yet sophisticated atmosphere. Designed for entertaining, this home offers abundant space for gatherings both indoors and outdoors. Open the sliders in the living room and breakfast nook to extend the living area to the lanai and pool, where you can enjoy breathtaking sunsets year-round. With a northwestern exposure and views from nearly every room, you'll relish the beauty of the setting sun. For car enthusiasts, the garage boasts 12-foot ceilings and ample space to accommodate a lift for additional vehicle storage. The extended 35-foot bay provides generous room for your vehicles and more. Located in the prestigious Punta Gorda Isles, you will enjoy a vibrant community renowned for its scenic canals, exceptional boating, fishing, and golfing. The charming downtown area offers a diverse selection of dining, shopping, and cultural attractions, all within a short drive. Don’t miss this rare opportunity to own a piece of paradise. Schedule your private tour today and experience the pinnacle of waterfront living in Punta Gorda Isles! UPDATE: NO FLOODING AND NO STORM DAMAGE! Seller has a $330,000 assumable VA mortgage @ 2.25%
Source: STELLAR #c7494108
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #c7494108
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: #c7494108
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.