450 Porto Alegre St Punta Gorda, FL 33983
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About this home
Step into this beautiful, like-new modern 4-bedroom, 2-bath home offering 1,846 sq. ft. of thoughtfully designed living space located on a corner lot in the highly desirable Deep Creek community! From the moment you walk through the front door, you’re welcomed into a bright, open-concept layout filled with natural light and modern finishes. The foyer opens to the spacious great room, creating the perfect flow for both relaxing and entertaining family and friends. The kitchen serves as the heart of the home, featuring matching appliances, soft-close cabinetry, a large center island with breakfast-bar seating, and generous counter and storage space. Designed for both function and style, it connects seamlessly to the dining and living areas, making gatherings effortless. On one side of the home, you’ll find three comfortable guest bedrooms and a full bathroom with modern tile, updated fixtures, and ample storage — ideal for family, visitors, or a home office setup. The owner’s suite is privately located on the opposite side of the floor plan, offering a peaceful retreat with a large walk-in closet and a luxurious ensuite bath featuring a dual-sink vanity and walk-in shower. A bonus room in the garage adds even more flexibility — fully equipped with power and A/C, it’s perfect for a home office, craft room, fitness area, or extra climate-controlled storage. A separate laundry room adds convenience and includes a washer and dryer that stay with the home. Step outside through sliding glass doors to your fully screened lanai and fully fenced backyard — the perfect space to unwind and enjoy the Florida sunshine. There’s plenty of room to add your dream pool, outdoor kitchen, or private garden oasis. This home also includes energy-efficient solar panels to help reduce monthly utility costs and the home is not located in a flood zone, providing both peace of mind and added value. Located in one of Southwest Florida’s most sought-after communities, Deep Creek offers residents an inviting lifestyle with amenities including the Deep Creek Social Club, park, playground, tennis courts, basketball courts, and the Deep Creek Golf Course — perfect for spending time outdoors. Enjoy easy access to local favorites such as Fishermen’s Village, Ponce de Leon Park, boutique shopping, fine and casual dining, and live entertainment, plus a short drive to the area’s beautiful Gulf beaches. Relax outside on your lanai with morning coffee or unwind in the evening watching Florida’s stunning sunsets. This move-in-ready modern home perfectly blends style, space, and sustainability, offering everything you need to enjoy the best of Florida living in the welcoming community. Schedule your private showing today!
Source: STELLAR #C7516894
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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.