1570 Oceania Dr S Naples, FL 34113
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About this home
Enjoy sweeping southwest-facing views of the Rookery Bay Preserve from this beautifully maintained WCI-built “Areca A” villa with an attached two-car garage; where peaceful mornings and relaxing evenings unfold on the extended lanai, surrounded by the quiet beauty of protected nature. From the moment you arrive, you're welcomed into a spacious, open-concept living space featuring two bedrooms plus a den, adorned with dual aspect windows that flood the space with natural light—perfect as a home office or quiet reading nook. The open kitchen boasts sleek granite countertops, stainless steel appliances, and beautiful Merillat Colony Birch cabinetry, flowing effortlessly into a generous dining area ideal for entertaining.The primary suite is a serene sanctuary, offering a large walk-in closet, dual vanities, spacious shower and separate WC. Step through the double sliding doors to your extended lanai (29' x 9')—the perfect spot to enjoy your morning coffee or unwind at sunset. For your peace of mind, the home is protected with remote-controlled electric hurricane shutters, impact-rated windows and doors, vertical hurricane shutters, upgraded electrical panel and a whole-house generator. Additional highlights include bright Texas Peruvian ceramic tile throughout the main living areas, a newer water heater (August 2024), new dishwasher (March 2025) and a UV light system installed on the HVAC for improved air quality. Located within the gated community of Artesia, this home offers a vibrant, amenity-rich lifestyle with no CDD fees. Residents enjoy access to a resort-style pool, clubhouse, fitness center, movie theater, pickleball and bocce courts, a dog park, and a full calendar of social events, all just minutes from the world-class beaches of Naples and Marco Island. Discover unmatched privacy, convenience, and lifestyle in this exceptional Naples villa. Seller’s VA mortgage is assumable for qualified buyers.
Source: FORTMYERS #225065693
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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.