12043 Sitterley St Naples, FL 34113
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About this home
Charming 3-Bedroom South Naples Cottage – New Roof, Tropical Yard & Low HOA! This beautifully maintained 3-bedroom, 1-bath single-family home is the perfect retreat for first-time buyers, retirees, snowbirds, or savvy investors. Nestled in Victoria Falls, a close-knit Habitat for Humanity community of just 110 homes, this peaceful neighborhood offers an incredible sense of pride, safety, and just 4 miles from the Naples Pier, and minutes from both downtown Naples and Marco Island. Step inside to a spacious great room with easy-care tile flooring throughout, white kitchen cabinetry, crown molding, and chair rail accents that add a timeless, welcoming touch. The dining area flows naturally into the living space, creating a perfect setting for everyday comfort and entertainment. The kitchen shines with upgrades including a new stove and microwave (2022), while other recent improvements include a new roof (2021) and top-load washer (2023). Hurricane shutters offer peace of mind, and the home is filled with natural light. Outdoor living is just as inviting—with a fully fenced backyard, side gate access, and interlocking pavers, ideal for family gatherings, pets, or a quiet morning coffee. The yard is graced with mature mango, avocado, and banana trees, and there’s a private courtyard in the front. A separate storage room offers flexibility, and there's even space to add a second bathroom (with permitting). The community recently repaved its streets and added sidewalks, perfect for walking, biking, roller skating, or hopscotch—a paradise for kids and a throwback to simpler times. With a low HOA of just $65/month covering lawn care and fumigation, this is truly low-maintenance living in an established, family-friendly area. You’re just minutes from Publix, ALDI, Walmart, Lowe’s, AutoZone, Staples, and restaurants like Outback, Texas Roadhouse, Carrabba’s, Dunkin’, and more. Physicians Regional Hospital and several clinics are also nearby. This home is clean, updated, and full of heart—an affordable slice of paradise in one of Naples’ most heartfelt neighborhoods. Schedule your showing today!
Source: FORTMYERS #225057133
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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.