3119 Pinetree St Port Charlotte, FL 33952
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About this home
Welcome to 3119 Pinetree Street, a beautifully maintained 2-bedroom, 2-bathroom home with a 1-car garage in the heart of Port Charlotte. This residence combines comfort, style, and peace of mind with a host of modern upgrades and energy-efficient features. Step inside and you’ll find an inviting layout with tile flooring throughout, offering both durability and a clean, cohesive look. The kitchen is a true highlight, featuring sleek granite countertops that pair perfectly with the home’s modern touches. Both bathrooms have been tastefully updated, providing a fresh and contemporary feel. Major improvements have been thoughtfully completed, ensuring years of worry-free living. A new roof, hurricane-impact windows and exterior doors, an updated electrical panel, and a new hot water heater were all installed in 2017. In 2023, solar panels were added for energy efficiency, and in 2025, the home received a brand-new AC system and a new fence to enhance privacy and security. Outdoor living is just as appealing, with a screened lanai overlooking the fully fenced backyard—ideal for relaxing, entertaining, or enjoying Florida’s sunshine. A paver extension adds extra space for gatherings, grilling, or simply unwinding in your own private retreat. Perfectly located near shopping, dining, medical facilities, and Gulf Coast beaches, this home blends convenience with comfort. With its extensive updates and inviting design, 3119 Pinetree Street is ready to welcome its next owner.
Source: STELLAR #C7514762
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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.