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$195,000 SIGNIN

Sign in to see required down payment for the 4.13% rate

1900 Clifford St Apt 306 # 306, Fort Myers, FL 33901

2 beds · 2 baths · 975 sqft

Wake up to panoramic river views in this bright, top-floor end unit just minutes from downtown Fort Myers—ideal for peaceful waterfront living with urban convenience. With new updates, a window seat, and a wall of windows overlooking the water, this 2-bedroom condo blends comfort, charm, and lifestyle in one standout space. Welcome to a rare gem that beautifully balances everyday comfort with stunning water views and an unbeatable location. This bright and spacious third floor end unit offers the ideal blend of peaceful waterfront living and vibrant urban accessibility—just moments away from downtown with easy trolly, biking and walking access. Imagine waking up each morning to the calming sounds of the water, enjoying your coffee at the built-in window seat (with storage!) as a cool breeze flows through your home, and taking in panoramic vistas of palm-lined shores and glistening river waters from every room. Inside, you'll find an open-concept layout drenched in natural light, featuring soft gray walls and light tile flooring that lend a modern, relaxed feel throughout. The centerpiece of the main living area is a stunning wall of windows, offering uninterrupted views and an effortless indoor-outdoor connection. Whether you're hosting guests or unwinding after a long day, this space sets the tone for relaxation and easy elegance. The kitchen is thoughtfully designed for both style and function, complete with crisp cabinetry, contemporary appliances, a spacious island for gathering or dining, and a sleek ceiling fan to keep the air circulating on warm afternoons. The master bedroom delivers a peaceful retreat, complete with a large walk-in closet and custom built-ins, while the second bedroom features its own en-suite with a stylish tub/shower combo—perfect for visitors or versatile everyday use. Additional conveniences include a shared laundry area just steps away with a hassle-free card payment system, a trash chute for effortless upkeep, and a responsive HOA ready to assist. A brand-new water heater is being installed, and the recently serviced AC system ensures year-round comfort. The community enhances your lifestyle with a sparkling pool and sun deck for laid-back weekends, plus a scenic riverfront deck ideal for sunset gatherings or quiet moments of reflection. Whether you're a first-time buyer, solo professional, growing family, or savvy investor, this residence delivers charm, value, and location in one beautiful package. Ready to live where comfort meets breathtaking views? Book your showing today and experience what makes this property a standout in every sense.

Estimated
Seller's interest rate
4.13%
7%
Estimated
Monthly payment

$776
$889
You may also save up to $26,238 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $889 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
FHA
Rate
4.13%
Remaining term
19 yrs and 5 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$776
Principal & interest
$436
Mortgage insurance
$63
Property taxes
$99
Home insurance
$177
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
975 sqft
Lot size
0.21 acres
Year built
1964
Type
Condominium
HOA dues
$0.00

Source: STELLAR #C7506923

Qualify

To qualify, you must meet the current FHA or VA 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%. 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.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

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.

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.

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 620, 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.

View all FAQs
Last updated: Apr 22, 2025 07:16 pm
Listing agent: Heidi Schrock (941) 267-4470
Listing provided courtesy of: RE/MAX PALM REALTY (941) 743-5525
Details provided by STELLAR and may not match the public record.
MLS ID: #C7506923
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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