VA loan
1 of 36
VA loan
$349,900

4467 Cinderella Cir, North Port, FL 34286

3 beds · 2 baths · 1,544 sqft

Welcome to this stunning 3-bedroom, 2-bath home with a versatile bonus room, thoughtfully designed with 1,544 sq. ft. of inviting space and an open-concept floor plan for everyday comfort. Step into the open great room, where soaring cathedral ceilings create an airy atmosphere. The heart of the home is the sleek, newly updated kitchen featuring quartz countertops, a spacious center island, and ample white cabinetry adorned with black hardware. A gorgeous tile backsplash complements the stainless-steel appliances, adding a touch of sophistication. Whether you prefer dining at the island or setting up a cozy breakfast nook nearby, this kitchen is as functional as it is beautiful. Throughout the home, durable gray porcelain tile flooring adds an elegant, cohesive look, while soft arched transitions between rooms lend a sense of architectural charm. The bonus room, bathed in natural light from a large arched window, offers endless possibilities—use it as a home office, formal dining area, game room, or even convert it into a 4th bedroom. The primary suite is a serene retreat, complete with a walk-in closet and an updated ensuite bathroom featuring a quartz-topped vanity and walk-in shower. Two additional bedrooms share a beautifully appointed main bathroom, which also includes access to the screened lanai. Step outside to enjoy your morning coffee or evening relaxation in the privacy of the screened lanai, overlooking a peaceful greenway with no direct neighbors behind. Practical touches include an interior laundry room, a 2-car garage with attic access for extra storage, updated well equipment, and a newer HVAC system and water softener. Freshly painted inside and out, this home is truly move-in ready. Located in a sought-after area with excellent schools, no HOA, and NO FLOOD ZONE, this property offers convenience and lifestyle. Quick access to I-75 makes commuting a breeze, while nearby amenities include grocery stores, restaurants, hospitals, and all the best that North Port and the Gulf Coast have to offer. Enjoy endless sunny days exploring local beaches, golf courses, fishing spots, bike trails, farmers markets, and Warm Mineral Springs. Plus, you’re just 14 miles—or a quick 20-minute drive—from the vibrant new Downtown Wellen Park and the Atlanta Braves’ spring training stadium. This home is more than a place to live—it’s a place to thrive. FLOOR PLAN IN PHOTOS AND ATTACHMENTS

Estimated
Seller's interest rate
3.95%
7%
Estimated
Principal & interest
$982/mo.
$1,297
You may also save up to $86,751 in total interest paid.
Listing price
$349,900

Your cash down payment
$172,392
Seller’s estimated current equity is $172,392
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with a 2nd mortgage.
Estimated $982 monthly payment

Financed
$177,507
Assumed mortgage 3.95% • Seller's rate
$177,507
2nd mortgage 9.25% • No prepay penalty
$0

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Use two fingers to move the map
Details
Home
Size
1,544 sqft
Lot size
0.23 acres
Year built
2005
Type
Single Family Residence

Source: STELLAR #N6135583

Loan
Remaining term
22 years, 11 months
Rate
3.95%
Monthly P&I
$982
Remaining loan balance
$177,507

Source: Public records

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?

expand content

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?

expand content

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?

expand content

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?

expand content

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?

expand content

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.

View all FAQs
Last updated: Jan 20, 2025 12:52 pm
Listing agent: Michael Laconca, PA (828) 458-2743
Listing provided courtesy of: COLDWELL BANKER REALTY (941) 493-1000
Details provided by STELLAR and may not match the public record.
MLS ID: #N6135583
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$982/mo
View details