450 Dalton Blvd, Port Charlotte, FL 33952
3 beds · 1 baths · 1,287 sqft
Welcome to a home where comfort, convenience, and creativity come together! Whether you're looking for a starter home, a rental property, or simply a place to grow, this well-loved and thoughtfully updated home has it all. Inside, you'll find a bright kitchen with an RO filtration system, fridge/freezer with water and ice hookup, and a walk-in pantry with built-in shelves, perfect for home chefs. The large family room at the back of the house leads to a screened-in lanai with storage closets, an ideal space for morning coffee or evening relaxation. The AC-equipped garage is a dream for hobbyists, with water access, ceiling fans, attic storage, and workbenches with tools. You'll also love the added touches throughout the home, like a fireplace with blower (chimney needed), a washer and dryer (with the dryer recently cleaned and fitted with new hosing), and a master bedroom with a walk-in closet. Energy efficiency is a highlight, featuring a new roof (2023), 400-watt solar panels (2024), an ultraviolet-C (UV-C) light in the main house AC (prepaid maintenance plan, last serviced Feb 2025), a reusable AC filter, and sanitized AC vents (2023). Step outside and discover multiple outlets and water spigots, an outdoor shower, and two covered patios, each with electrical outlets, water access, and nighttime overhead lighting, perfect for hosting friends or enjoying peaceful nights. Gardeners will appreciate the grow shed with grow lights and timers and the detached storage shed, securely placed on a raised concrete pad with hurricane straps. The mature and growing fruit trees — mango, coconut, grapefruit, pineapples, dragon fruit, and prickly pear, add a beautiful touch to the yard, while the owner-owned solar sensor street light ensures added security. Safety is a priority with 4 security cameras (covering the full house), front and back security lights, solid wood shutters with locks (front), and clamshell shutters (sides and back). Other thoughtful updates include new paint and a sink fixture in the bathroom, new ceiling fans (in the garage, both living rooms, and middle bedroom), fold-down windows for easy cleaning, a programmable timer for exterior outlets, and an electronic keypad deadbolt (with matching keys for all main doors). With a spacious entryway/dining room, a sprinkler system (hoses and heads need a little TLC), and gutters and downspouts (2021) ready to be reinstalled, this home has so much to provide. Ready to step into a home that balances functionality and charm? Schedule a tour today!
Source: STELLAR #A4641111
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #A4641111
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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 “Save search” 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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.