14319 Morristown Ave Port Charlotte, FL 33981
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About this home
One or more photo(s) has been virtually staged. Luxury Coastal Living in South Gulf Cove – Seller Motivated. Experience the perfect blend of elegance and privacy at 14319 Morristown Ave, Port Charlotte, FL. Set on a rare triple lot (0.69 acres) with two additional buildable parcels, this two-story residence is more than a home—it’s a lifestyle investment. And yes—the seller is motivated, which means opportunity is knocking a little louder than usual. Step inside and you’ll see why. The chef’s kitchen is the kind of space that makes takeout menus jealous—white cabinetry, quartz counters, a grand island, stainless steel appliances, and a butler’s pantry. The family room, anchored by a striking stone feature wall, opens to your private screened lanai and heated saltwater pool—ideal for morning laps, sunset cocktails, or just pretending you’re on vacation year-round. Upstairs, there are five bedrooms and four bathrooms throughout with two primary suites. The main suite comes with a spa-style bath, complete with soaking tub, walk-in shower, and double vanity—basically, the bathroom equivalent of first-class seating. Practical perks? A new metal roof (2023), newer A/C units (2020 & 2024),new pool pump (2025), Rainbird irrigation, and even a 1-year American Home Shield warranty. Plus, there’s a two-car garage, plenty of parking, and the backyard doubles as your personal produce section with mature mango and avocado trees. Living in South Gulf Cove means access to a community lock system and boat ramps, plus a lively calendar of events—farmers markets, food trucks, and more. Add in quick drives to the beaches of Boca Grande and Englewood, and you’ll wonder why you didn’t move here sooner. No CDD. Flood Zone AE. Pets welcome. No minimum lease period. Plenty of room for RV or boat storage. The sellers are motivated and ready—so if you’ve been waiting for a sign, consider this your flashing neon one.
Source: STELLAR #TB8368415
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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.
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