10225 Acorn Trl Punta Gorda, FL 33950
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About this home
Welcome to Oak Harbour – Punta Gorda’s Hidden Gem! Located in the highly sought-after gated community of Oak Harbour, this beautiful 3-bedroom, 2-bath ranch-style home sits on a generous ½-acre homesite and offers 2,548 sq. ft. of living space designed for both comfort and style. The heart of the home is the open-concept great room and kitchen, enhanced by volume ceilings and abundant natural light. Custom plantation shutters accent the many windows, while tile flooring flows throughout the main living areas. The primary suite features rich engineered hickory plank flooring. While the two additional bedrooms located on opposite side of the home, give additional comfort and privacy to family and guests. Both bathrooms are enhanced with solar tube lighting, filling the spaces with soft, natural light throughout the day. A standing seam metal roof, replaced in 2024, adds both modern appeal and long-term peace of mind with exceptional durability and energy efficiency. In addition, two solar attic fans installed in 2024 help improve ventilation and overall energy efficiency year-round. Step outside to private oasis— a heated saltwater pool with a pavered pool/sun deck on poured concrete for long-lasting durability. The full-view screen enclosure provides uninterrupted views and makes year-round Florida living a breeze. This property blends privacy, elegance, and functionality in one of Punta Gorda’s most desirable gated communities.
Source: STELLAR #C7515738
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FAQs
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.
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.
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.