4145 Polynesia Rd, North Port, FL 34288
3 beds · 2 baths · 2,295 sqft
Situated in a growing community of North Port, this spacious home is ready for its new owners. Featuring a thoughtful layout with multiple rooms and versatile spaces, this home is perfect for both everyday living and entertaining. It features three bedrooms, a bonus room, two bathrooms, and plenty of open space for hosting guests or relaxing with family. The generous primary suite is a true retreat, complete with two walk-in closets, a deep soaking tub, a walk-in shower, and a private toilet room for added convenience. Natural light pours in through large windows, creating a bright and welcoming atmosphere throughout the home. The kitchen and bathrooms have been updated with stylish cabinetry and beautiful granite countertops. In 2024, a new roof was installed, along with all-new kitchen appliances, and a newer washer and dryer. For those who love to cook or entertain, the kitchen boasts two spacious pantries and a large center island—perfect for meal prep or casual gatherings. The adjacent dining room comfortably accommodates a large group, ideal for family dinners or special occasions. Outdoor enthusiasts will appreciate the irrigation system that keeps the lush St. Augustine grass and landscaping vibrant all year long. Additionally, a 10x20 ft shed, installed in 2023, provides ample storage space for tools, equipment, or hobbies. This home is just minutes from public parks, schools, and shopping, offering both convenience and comfort. Ready to move in and start making memories, this home has it all—don't miss your chance to make it yours!
Source: STELLAR #d6139054
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #d6139054
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 45-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: #d6139054
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.