14095 Oviedo Pl, Fort Myers, FL 33905
3 beds · 3 baths · sqft
Welcome to 14095 Oviedo PL, your little slice of paradise! The home is situated in evacuation zone C and has never sustained any structural damage during the four hurricanes and tropical storms since its construction. This 1,405 sq. ft. two-story townhome, built in 2022, is smoke-free and pet-free, featuring a modern open-concept design. The first floor includes a stylish kitchen, a "Cupboard Under the Stairs," a convenient half bathroom downstairs, a pantry, a dining area, and a great room with two 4’x8’ sliding glass doors and one 4’x8’ screen door, all leading to a serene patio. For added privacy without sacrificing natural light, top-down bottom-up shades have been installed. Extra windows at the front and next to the kitchen ensure abundant natural light and excellent cross ventilation. The kitchen boasts updated lower cabinets with metal Rev-a-Shelf units for easy access to mixing bowls and countertop appliances, along with a backsplash and an accent wall for a touch of elegance. Upstairs, the owner’s bedroom comes with an ensuite bathroom, complemented by an upstairs laundry room, two additional comfortable bedrooms, and a second full bathroom. Enjoy the tranquil setting of this lot with beautiful Florida sunsets visible from your west-facing patio, framed by palm trees and a lovely small lake. With no neighbors to your right, you’ll enjoy open green space and serene lake views. Security is top-notch with a Ring system protecting the home with window and door sensors, a motion sensor, and fire and carbon monoxide detectors. The garage door is insulated to reduce summer heat, and equipped with myQ Smart Garage Control and a camera, compatible with the Chamberlain garage door opener. Within 250 yards of your front door, the Portico Amenity Center offers a resort-style pool, a 24-hour fitness center, a playground, gas grills, and courts for basketball, pickleball, and tennis. Additionally, several miles of sidewalks throughout the community provide the perfect setting for running, biking, or leisurely walks year-round.
Source: FORTMYERS #224044120
Interest rate and monthly payment estimated based on public records.
Source: FORTMYERS #224044120
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #224044120
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.