904 Charles St Port Orange, FL 32129
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About this home
With five true bedrooms, there’s room for everyone—whether you need space for family, guests, a home office, or a hobby room, this home has you covered! Located in one of Port Orange’s most sought-after neighborhoods, this beautifully updated property features an inground pool, new ceramic tile flooring, and a newer kitchen remodel complete with matching stainless steel appliances. There’s even an extra bonus room perfect for a mudroom, craft area, or drop zone! All the big-ticket items have already been taken care of — new roof, AC, water heater, electrical panel, windows, and plumbing — giving you peace of mind for years to come. Plus, this solid home stayed high and dry through recent hurricanes. Enjoy an unbeatable location: walk or bike to Sugar Mill Elementary, Riverwalk Park, or Sugar Mill Gardens, kayak the nearby river, or drive just 2 miles to the beach. Fishing, shopping, and dining are all right around the corner, making this the ultimate Florida lifestyle home. You won’t find another 5-bedroom pool home in Port Orange—especially at this price! Don't miss your chance to own a spacious, move-in-ready home in the heart of it all!
Source: STELLAR #NS1085640
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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.