5523 Carlton Rd New Port Richey, FL 34652
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About this home
Welcome to Your Dream Lifestyle in Downtown New Port Richey! Live where others vacation in this charming, golf cart-friendly community—just steps from vibrant downtown energy, walkable restaurants, scenic riverfront parks, live concerts, and year-round festivals. This is more than a home—it’s a lifestyle! Property Highlights: 3 Spacious Bedrooms | 3 Full Baths Expansive 1/3 Acre End Lot – Rare find with room to grow Two Private Ensuite Bedrooms – Perfect for guests or multi-gen living Multiple Outdoor Patios – Enjoy both front and backyard retreats Updated Kitchen with Eat-In Dining – Plus room for a center island Bonus Room – Ideal for pantry, home office, or creative nook RV/Boat Parking + Room for a Pool Two Sheds with Electricity – Ready for workshop, art studio, or playroom No Flood Zone | No Storm Damage or Claims Energy-Efficient Thermal Windows | Carrier HVAC System Nearby Boat Access to Cotee River & Gulf Smart Layout, Endless Flexibility This thoughtfully designed layout offers ultimate flexibility. Two ensuite bedrooms—each with private outdoor access—create ideal options for in-laws, visiting guests, or even a rental setup. A third bedroom also features a private backyard entry, giving you multiple ways to customize your living space. The remodeled kitchen is a chef’s dream, offering abundant storage and entertaining space, while the adjacent bonus room adds even more functionality for your lifestyle needs. Outdoor Living That Wows! Step outside into your private backyard oasis. Whether you’re dreaming of a pool, garden, RV pad, or space to entertain under the stars, this oversized lot has it all. Two powered sheds add endless possibilities for hobbies, storage, or even a home-based business. Prime Location Perks: Walk or ride to downtown restaurants, breweries, shops & events Minutes to Robert K. Rees Memorial Park & Beach Easy access to groceries, hospitals, and daily essentials Launch your boat nearby and enjoy Cotee River & Gulf access Affordable Mortgage Opportunity + Unbeatable Location Whether you’re upsizing, downsizing, or looking for the perfect Florida retreat, this rare gem offers unmatched value and versatility in one of the most desirable areas of New Port Richey. Schedule your private showing today and come experience the heart of downtown living—you’ll never want to leave!
Source: STELLAR #W7877265
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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.