23239 Stelling Ave Punta Gorda, FL 33980
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About this home
Welcome to your dream home! This expansive 4-bedroom, 2-bathroom single-family home sits on a generous .46-acre double lot in the desirable Port Charlotte, FL area. With a spacious 2400 sq ft of living space, this home offers the perfect blend of comfort, style, and convenience, all with NO HOA and NO flood zone—ensuring peace of mind. Buyer can assume seller loan with 2.375% VA financing! The open floor plan and high ceilings create a bright, airy atmosphere, perfect for both relaxation and entertaining. The large living and dining areas seamlessly connect to the well-appointed kitchen, offering plenty of room for family gatherings and hosting friends. Step outside to your private fenced yard featuring a stunning swimming pool, perfect for cooling off on hot Florida days. The covered and screened lanai allows you to enjoy outdoor living year-round, whether you're grilling, relaxing, or enjoying the Florida sunshine. This property is an outdoor lover's dream with ample space for RV and boat storage. Two mini storage sheds provide additional storage for all your tools, equipment, and toys. There's no need to worry about space or clutter here! Conveniently located with NO minimum monthly rental restrictions, this home offers incredible flexibility for investors or those looking for a second home. Whether you're planning to make it your primary residence or want to take advantage of short-term rental opportunities, the possibilities are endless. Additional features include: No HOA fees Ample storage space Generous lot size with plenty of room for expansion or outdoor activities Close proximity to shopping, dining, and beautiful Florida beaches This Port Charlotte gem is the perfect balance of tranquility and convenience—come see it today and make it your own!
Source: FORTMYERS #225012712
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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.