10600 Habitat Trl Bokeelia, FL 33922
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About this home
Pine Island Paradise – Home + Studio Apartment + Tropical Orchard! Seller says: "Will entertain any reasonable offer!" Welcome to your island escape—a charming stilt home set high and dry in the heart of Pine Island, surrounded by a lush oversized lot on nearly half an acre with mature fruit trees including Ponderosa lemon, avocado, mango, dragon fruit, starfruit, and sour sop. The main home features a bright, open floor plan with NEW stainless steel appliances, wraparound porches, and a screened-in porch perfect for enjoying cool breezes year-round. A versatile craft room offers space for hobbies, an office, or extra storage. Outdoor living shines with multiple gathering areas—from the screened lanai to the sunny back deck to the pavered patio—making it easy to entertain, relax, and soak in the tropical lifestyle. A private studio apartment with an updated, finished kitchen and a brand-new hot water heater adds approximately 600 sqft, offering the ideal setup for guests, multi-generational living, or rental income. The detached 2-car garage provides plenty of room for vehicles, boats, and island toys. You’ll be just minutes from multiple boat ramps for quick access to world-class fishing, dolphin watching, and the white-sand beaches of Captiva, Sanibel, and Boca Grande. Explore paved bike paths from St. James City to Bokeelia Pier, and enjoy local restaurants, live music, and year-round festivals. Whether you’re seeking a full-time tropical retreat or an income-producing getaway, this property delivers the best of Pine Island living!
Source: FORTMYERS #2025006079
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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.
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