148 Peckham St SE Port Charlotte, FL 33952
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About this home
We are thrilled to present this exceptional waterfront property in one of Southwest Florida’s most desirable boating communities. This expansive 4-bedroom, 3-bath home sits on a rare 20,433 Sqft Tip-Lot with approximately 230 ft of concrete seawall, offering breathtaking wide-water views, unmatched privacy, and direct sailboat access to Charlotte Harbor and the Gulf—no bridges! From the moment you arrive, you’ll appreciate the oversized lot, beautiful water frontage, the peace and space that come with this prime location. The home features an open-concept layout that blends spacious indoor and outdoor living. Large sliding glass doors open to the private resort-style oasis with a screened and paved outdoor area of approximately 2,500 Sqft, ideal for entertaining and relaxing. Enjoy the pool, relax under the 500 Sqft covered lanai, dine al fresco as you watch boats go by. Boaters will love the private dock equipped with a 10,000 lb lift, suitable for both powerboats and sailboats. Municipal water is available at the dock for rinsing gear or cleaning your fish after a great day on the Gulf. The home offers a 2482 Sqft generous main living area under air with an open layout that’s ready for your vision. The home did experience hurricane damage last year. Professional mitigation and removal have been fully completed, offering a clean slate for your personalized renovation. New metal roof installed 2024 & hurricane impact rated side door 2025. An assumable VA low-interest mortgage is available for qualified buyers. With an unbeatable combination of location, lot size, water access, and potential, this home is perfect as a full-time residence, vacation home, or investment. Don’t miss the great to turn this unique waterfront property into your coastal dream retreat.
Source: STELLAR #C7509293
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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.