3610 Outrigger Ln, Saint James City, FL 33956
3 beds · 2 baths · 1,589 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Paradise Found: Your Private Island Sanctuary Awaits Discover the ultimate waterfront escape in Saint James City, where refined island living becomes a daily reality. This stunning 3-bedroom, 2-bathroom haven with dedicated office/den invites you to experience the Florida lifestyle that others only dream about. Step through the front door into a world of coastal elegance featuring an open, sun-drenched floor plan perfect for both intimate gatherings and entertaining friends. The beautifully appointed kitchen shines with crisp white cabinetry, attractive quartz countertops, and stainless steel appliances that make meal preparation a pleasure. Retreat to the expansive master suite, where a distinctive tray ceiling crowns your private sanctuary. Enjoy the spacious walk-in closets and well-designed en-suite bathroom with a custom tile walk-in shower. Generous guest bedrooms complement the main living space, with a convenient guest bath providing direct access to the outdoor oasis. The crown jewel of this island retreat is the oversized screened lanai, where paradise truly comes to life. Imagine sun-soaked afternoons lounging by the heated pool, evenings unwinding in the bubbling hot tub, and weekend gatherings around your private tiki bar—all while surrounded by the serene beauty of Florida's coastal landscape. For boating enthusiasts, this waterfront gem offers exceptional access with two premium boat lifts—a 13,000 lb lift with a brand new boat canopy (approximately 48 feet long) and an 8,000 lb lift—providing direct passage to the Gulf of Mexico and endless aquatic adventures. The paved driveway includes dedicated RV parking with 50-amp service, making this the perfect home base for all your explorations. Thoughtfully maintained with a new roof (2023), new hot water heater (2025), and fresh interior/exterior paint (2024), this turnkey property represents the essence of elevated waterfront living. Don't just dream about island life—make it your reality in this exceptional Saint James City sanctuary.
Source: FORTMYERS #225031345
All values shown are estimated costs / mo.
Source: Public records
Source: FORTMYERS #225031345
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 of Equal Opportunity Act.