2008 NE 15th St, Cape Coral, FL 33909
3 beds · 2 baths · 2,117 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to Your Private Oasis – Offered Turnkey Furnished! This beautifully remodeled vacation retreat sits on an expansive triple lot and offers the perfect blend of style, comfort, and functionality. Whether you’re looking for a full-time home, a seasonal escape, or a high-performing vacation rental, this property delivers on every level. The outdoor space is truly something special, featuring a heated saltwater pool with a sun shelf, surrounded by a spacious paver deck that's ideal for lounging or entertaining. A brand-new six-person jacuzzi sits under a charming gazebo, and the screened-in back lanai creates a cozy spot for enjoying cool fall evenings. The fully fenced yard is both family- and pet-friendly, complete with a half-court basketball setup, volleyball area, outdoor shed, and even wired patio lanterns for evening ambiance. A pre-set generator is also included for peace of mind. Inside, the open floor plan is flooded with natural light and defined by stylish built-ins and a custom feature wall in the great room. The kitchen is designed for both form and function, with white shaker cabinetry, granite countertops, a farmhouse sink, stainless steel appliances, and convenient under-island storage. The primary bathroom is tastefully remodeled with a tile surround and glass door, entered through a sleek sliding barn door. The secondary bath matches the same high-quality finish. A converted garage offers a climate-controlled fourth bedroom, ideal for guests or additional income potential. The home comes with 35 LG solar panels that is PAID IN FULL.. dramatically reducing electric bills and boosting efficiency. New appliances, a Sonos surround sound system, double-insulated attic, and a 1.5- year-old Purple 4 mattress (valued at $5,000) add to the turnkey appeal. It’s also worth noting that this property is NOT IN A FLOOD ZONE — a major bonus in Florida. The home is fully equipped and furnished for vacation rental use, making it a seamless option for investors. However, please note that while most furnishings and decor are included, certain personal or sentimental items, such as the antique Tiffany lamp in the kitchen, may be excluded from the sale and are open to separate negotiation. Don’t miss your chance to own this standout home that truly has it all — luxury, comfort, space, and income potential. This is Florida living at its finest, and it won’t last long.
Source: NABOR #225039596
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: NABOR #225039596
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.