10733 Rio Mar Cir Estero, FL 33928
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About this home
This beautifully updated 3-bedroom, 2-bath home in a quiet gated Estero community is truly move-in ready and designed for easy living. The thoughtfully laid-out floor plan makes the most of every square foot, creating a warm and functional space that feels both inviting and efficient. The kitchen is a showpiece with quartz countertops, a custom butcher block accent, and newer stainless-steel appliances—perfect for cooking, or entertaining. Enjoy peace of mind with a newer roof, impact-rated windows, hurricane shutters, updated PEX plumbing, a newer water heater, and a whole-home water filtration system. The split floor plan offers excellent privacy—two guest rooms are ideal for hosting visiting family or creating the perfect home office, one with walk in closet. Hall bath for guests. The primary bedroom features en-suite bathroom dual vanity and an accessible walk in shower. Outside, the screened lanai offers a retreat from the elements and mosquitos. The backyard offers plenty of room to expand, with the option to purchase approx 11ft behind the property with potential to add a patio or enclosed sunroom up to. A two-car garage with laundry and low-maintenance landscaping make ownership simple and enjoyable. 4 seat golf cart included with newer batteries. This home is the definition of move in ready. Whether you’re looking for a seasonal retreat, first home, or year-round Florida residence, this home offers the perfect combination of comfort, convenience, and modern updates—ready for you to move right in and start living the Estero lifestyle! Conveniently Located between Naples and Fort Myers, west of I75, you’ll be minutes from beautiful Gulf beaches, RSW Airport, FGCU, Miromar Outlets, Coconut Point, and all the shopping, dining, and entertainment Southwest Florida is known for. The Island Club is an all ages gated community of 250 single family homes with a 23-acre lake. Affordable HOA fees of only $790 per quarter, include Water, Sewer, Lawn Maintenance and cable! Lakefront clubhouse with community pool, spa and fitness room, Tennis, Pickleball, and Shuffleboard! Easy access to RSW airport, close to I75, FGCU, and shopping! Tennis and Pickleball courts were just refinished! See floor plan and survey in photos.
Source: FORTMYERS #2025015769
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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.