4258 Swensson St, Port Charlotte, FL 33948
3 beds · 2 baths · 2,318 sqft
One or more photo(s) has been virtually staged. UPDATES GALORE in this CHARMING 3 BEDROOM, 2 BATH, 2.5 CAR GARAGE HOME WITH A HEATED IN-GROUND POOL! Located on an oversized corner lot with a circular driveway, this home offers over 2,300 sq. ft. of luxury living. Step into a beautiful kitchen featuring stunning granite countertops, wood cabinetry, MAYTAG stainless steel appliances, and a pass-through to an ENORMOUS COVERED LANAI (12x29). The home is designed for entertaining, with a breakfast bar overlooking the great room and a built-in wet bar with a sink and refrigerator. Triple sliders pocket open to a magnificent pool patio boasting stone-patterned tiles, a kidney-shaped pool with expanded concrete patio, an outdoor shower, and arched concrete walls surrounding the pool—an absolute MUST SEE! Enjoy five entries to the pool patio from the great room, master bedroom, office (bonus room), guest bath, and the third bedroom, providing views and access from most rooms in the home. The fabulous floor plan features a master bedroom with porcelain plank tile and hers closets with built-in shelving organizers. There’s also a 12x14 office/hobby room separated by a sliding barn door, perfect for conversion into a fourth bedroom! The master bath has been completely updated with a large, tiled walk-in shower featuring beautiful wall tiles and a pebble stone floor design. Dual sinks with quartz countertops and new farmhouse-style cabinets enhance its appeal. Both guest bedrooms are oversized; the third bedroom currently serves as a workout room with gym-style rubber flooring and leads directly out to the pool. Enjoy several upgrades, including a new HVAC system, water softener, tankless hot water heater (2 years old), roof (8 years old), new pool screening (1 year old), and a pool heater with solar heating. This incredibly spacious home is ready for immediate occupancy! The seller is offering a future Veteran the opportunity to assume his attractive 2.875% mortgage—an incredible find! Don’t miss your chance to own this beautifully updated and well-maintained home, nestled in a quiet, peaceful neighborhood in Port Charlotte. The location is ideal, just a 10-minute drive to the Town Center Mall, Sam's Club, restaurants, schools, the new Sunseeker Resort, and downtown Punta Gorda. Too many UPGRADES to list! The home is on water and sewer! Call us today!
Source: STELLAR #c7499175
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #c7499175
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: #c7499175
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.