1020 19th St SW Naples, FL 34117
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About this home
COMPLETE PRIVACY---Can't see into this OASIS! OVER $300K IN LUXURY UPGRADES! Tucked behind lush clusias on 2.73 acres of dry, cleared land, this property offers total privacy and peaceful country living just minutes from town. Every inch is pristine, from the freshly renovated interiors to the wide-open outdoor spaces designed for Florida living. Contractor-owned and rebuilt with care, this home shines with top-quality finishes and thoughtful design. Inside, you’ll find an open, airy layout with plank tile flooring, a huge quartz island, premium appliances, and a spacious kitchen with abundant cabinetry, a walk-in pantry, and dual desk spaces for work or creativity. The 3-bedroom + den, 2-bath home includes a two-car epoxy-finished garage, and everything—AC, ducts, water heater, electrical, plumbing, and all interior elements—is brand new. The property blends solid, high-ground land with the modern upgrades of new construction. Two sets of double sliders lead to nearly 2,000 square feet of screened outdoor living space, complete with a sparkling pool and plenty of room to entertain. A private dirt road leads to a 50' x 30' covered storage area, perfect for a boat, RV, or future workshop. There’s also a 14' x 25' two-level building that holds the pool equipment and full-home reverse osmosis system—already wired and plumbed for potential build-out. Need backup power? The underground gas tank is ready for a generator. All of this with no flood insurance required, and just minutes from downtown Naples, beaches, dining, shopping, and A-rated schools. Assumable VA loan with LOW 4 rate available to qualified buyers (lender/VA approval). It’s that rare find—better than new, with privacy, craftsmanship, and the perfect balance between quiet country living and city convenience.
Source: STELLAR #A4669544
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.