644 Barnacle Ct, Englewood, FL 34223
2 beds · 2 baths · 1,708 sqft
Welcome to the highly desirable Park Forest, a vibrant 55+ gated community in Englewood, ideally located 10 minutes to the pristine beaches and 5 minutes from the lively downtown Dearborn Street. For added peace of mind and insurance savings, most windows are IMPACT GLASS, and the front entry and lanai are protected by ACCORDIAN SHUTTERS. This beautifully kept TURNKEY FURNISHED home showcases a spacious, open floor plan designed for modern comfort and style. The kitchen is a true highlight, featuring granite countertops, solid wood cabinets with 42” uppers, a large island, stainless steel appliances, and a newly updated backsplash. The expansive master suite includes dual walk-in closets and a luxurious, updated en-suite bathroom with a dual-sink granite vanity. Offering 2 bedrooms, a versatile den, 2 full baths, and a Great Room with Kitchen and Dinette, this residence provides elegant, open-concept living spaces. The screened lanai leads to an inviting brick paver patio, complete with a canopy for sun protection, which overlooks a serene backyard with peaceful pond views. The fully pocketing sliding glass doors create seamless indoor-outdoor flow, perfect for embracing Florida’s sunny lifestyle. Professionally designed landscaping and soft landscape lighting add to the home's charm and curb appeal. Park Forest’s HOA fees cover comprehensive lawn care, cable, internet, and access to the many amenities, including a pool, clubhouse, shuffleboard, tennis, pickleball, bocce ball, and a fenced storage area for boats and RVs. The clubhouse provides a fabulous calendar loaded with activities if you like to be active. Additionally, this phase of Park Forest includes EXTERIOR PAINING EVERY 7 YEARS AND ROOF REPLACEMENT EVERY 17 YEARS. Home has a 2024 Washer & Dryer, 2021 HVAC system. This meticulously cared-for home is truly move-in ready—come see why this pristine gem feels like new! Discover your very own piece of paradise here!
Source: STELLAR #d6138982
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #d6138982
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: #d6138982
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.