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919 SE 34th St, Cape Coral, FL 33904

3 beds · 2 baths · sqft

Welcome to your 3bed/2bath pool home surrounded by tropical palms and landscaping. This spacious home has 1,677 living sqft, a 900+ sqft. screened lanai, plus a two-car garage. The spacious living area is ideal for entertaining guests or unwinding. The heart of this home is undoubtedly the outdoor oasis. Step through the sliding doors to discover a screened-in Lanai that overlooks a sparkling swimming pool, offering the ultimate in relaxation and entertainment. With the pool heater, you can enjoy the water year-round, whether it's a refreshing dip on a hot summer day or a soothing swim under the stars. Surrounded by mature landscaping, including palm trees and tropical foliage which provides ample privacy, the backyard is a tranquil escape from the hustle and bustle of everyday life. Spend lazy afternoons lounging by the pool or hosting BBQs with friends and family in this private paradise. Inside, vaulted ceilings and an open floorplan connect the living room, kitchen, and dining room together. A long kitchen bar with granite countertops is perfect for serving food at family gatherings. Stainless appliances, custom cabinetry, and soft-close drawers add a hint of luxury to your light and bright SWFL home, which boasts natural sunlight during the day. Tile floors throughout are easy to sweep after a day at the beach or a nearby park. The split floorplan allows privacy for the two guest bedrooms that share a bathroom with shower/tub combo. The primary bedroom features a walk-in closet, double sinks, and walk-in shower. Located off of Country Club Blvd., you are a short bike ride or drive to the shops, restaurants, and marinas in SE Cape. Includes New pool pump and heater (2023), new roof (2023), water heater (2022), new AC (2018). No flood insurance required, home did not incur any water intrusion.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Use two fingers to move the map
Details
Home
Lot size
0.23 acres
Year built
2003
Type
Single Family Residence

Source: FORTMYERS #224040143

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

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.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

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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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Last updated: Nov 13, 2024 10:32 am
Listing agent: George King (813) 753-9256
Listing provided courtesy of: Schooner Bay Realty, Inc. (239) 997-4000
Details provided by FORTMYERS and may not match the public record.
MLS ID: #224040143
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.