4419 N Canal Cir, North Fort Myers, FL 33903
2 beds · 2 baths · 1,228 sqft
Discover the perfect blend of comfort and style in this beautifully maintained 2-bedroom, 2-bathroom home in Lochmoor Waterway Estates. The versatile Florida room, featuring a high-end pull-out couch with an ultra-comfortable air mattress, essentially creates a third bedroom—ideal for guests or extra sleeping space. Expansive canal and pool views from the Florida room make it the perfect spot for morning coffee, casual gatherings, or relaxing evenings overlooking the water. The open-concept kitchen features elegant granite countertops, providing a sleek, modern look while offering ample space for cooking and entertaining. The master suite serves as a private retreat with a newly upgraded en-suite bathroom, fresh paint, crown molding, and new flooring (2022), creating a serene and polished atmosphere. Recent updates enhance both comfort and function, including a durable metal roof (2022), a new HVAC system with updated ductwork and insulation (2023), and epoxy-finished garage floors for a clean, modern finish. The screened lanai and LP gas-heated fiberglass pool create a private outdoor retreat where you can relax and unwind in the tropical setting. Direct Gulf access with no bridges makes this home a boater’s dream. The newly refurbished composite dock with a 10,000-pound lift provides easy access to the water, putting you just minutes from the Caloosahatchee River for fishing, cruising, and water adventures. Experience the best of waterfront living with modern upgrades and thoughtful design in this exceptional Lochmoor Waterway Estates home. This property is more than a home—it’s a lifestyle. Wake up to the sound of gentle waves, spend afternoons exploring the Gulf, and enjoy evenings in your private backyard retreat. With the perfect balance of waterfront living and modern convenience, this home offers everything you’ve been dreaming of. Schedule your showing today and embrace the coastal lifestyle at Lochmoor Waterway Estates!
Source: NABOR #224079151
Source: NABOR #224079151
Source: Public records
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%. 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.
Other resourcesWhat 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.
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