177 Alameda Ave Fort Myers, FL 33905
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About this home
Welcome to this stunning 3-bedroom, 2-bath Gulf access pool home located just minutes from the Caloosahatchee River, downtown Fort Myers, and only 3 minutes from I-75. Perfect for boaters and outdoor enthusiasts, this property has never flooded through multiple hurricanes and offers low assumable flood insurance of only $1,200/year. Inside, you’ll find a gorgeous kitchen with granite countertops, hickory cabinetry with glass doors, upgraded appliances, and a bright skylight that fills the space with natural light. The master bedroom features a private bath and double pocket sliders leading directly to the screened pool area perfect for relaxation and entertaining. Additional upgrades include a new metal roof (2023), fresh exterior paint (10/2025), and a smart home system controlling locks, lights, fans, A/C, and appliances. Step outside to enjoy a true Florida lifestyle with a low-maintenance saltwater pool with a Heater Cooler and robotic cleaner, Brazilian Walnut (IPE) dock and viewing deck, and outdoor dining area ideal for gatherings by the water. Boating amenities include a boat lift for a large vessel, kayak lift and launch, and a 31-ft RV pad with dual 50-amp outlets. The canal is well protected from wake and storms by "Beautiful" Island in the river, offering calm water access and just a 30-minute ride to the Gulf of Mexico. The fully fenced vinyl yard provides privacy and security, while the outdoor theater setup with screen and wireless speakers creates the perfect spot for movie nights under the stars. This move-in-ready waterfront retreat perfectly blends comfort, technology, and resort-style living in a prime Southwest Florida location!
Source: FORTMYERS #2025016563
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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.