4321 Pepper Ln North Port, FL 34287
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About this home
Step into this inviting North Port residence offering over 1,800 square feet of living space designed with comfort and versatility in mind. Featuring 3 spacious bedrooms and 3 full bathrooms, this home provides plenty of room for family and guests. Two of the bedrooms include private ensuite baths, creating an ideal setup for visitors or multi-generational living. The layout flows effortlessly from one space to another, highlighted by a large great room complete with a cozy fireplace and built-in dry bar perfect for entertaining or relaxing after a long day. Enjoy the flexibility of a finished Florida room that brings the outdoors in, along with an attached bonus room that can easily serve as an office, workout area, or hobby space. The master suite offers a peaceful retreat with a walk-in closet and private bathroom, thoughtfully positioned away from the guest rooms for added privacy. Recent upgrades make this home move-in ready and worry-free: porcelain tile flooring installed throughout in 2019, a new roof added in 2022, fresh vinyl siding completed in 2024, and dual split A/C systems replaced in 2016 and 2019 to ensure energy-efficient comfort. A brand-new washer and dryer (2024) round out the modern touches. Situated in a quiet, family-friendly neighborhood, this property offers easy access to North Port’s highly rated schools, the popular Coco Plum shopping plaza, restaurants, and everyday conveniences. Plus, it’s located in a NO FLOOD ZONE. With its spacious design, thoughtful updates, and prime location, this home delivers the perfect blend of style, comfort, and peace of mind ready for you to move in and start enjoying the Florida lifestyle.
Source: STELLAR #C7516563
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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.