314 Melrose Pl Unit 33 Naples, FL 34104
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About this home
Discover one of Naples’ best-kept secrets in Melrose Gardens, an intimate and beautifully maintained attached villa community nestled within sought-after Berkshire Lakes. With immaculate lush landscaping, low HOA fees, and a prime central location, this rarely available 3-bedroom, 2-bath villa offers the perfect blend of privacy, space, and Florida charm. Step inside to find a light, bright, and airy open floor plan with soaring vaulted ceilings and generous square footage throughout. The split-bedroom layout ensures privacy for guests, while the renovated kitchen features sleek stainless steel appliances, modern finishes, and ample counter space for entertaining. Enjoy indoor-outdoor living year-round with a large private screened lanai, complete with roll-down and hurricane shutters for peace of mind. A screened front entry enhances airflow and adds to the welcoming ambiance of this tropical retreat. Additional highlights include a 2-car garage, updated bathrooms, and abundant storage. Melrose Gardens residents enjoy access to a private community pool and clubhouse, while also benefiting from all the amenities of Berkshire Lakes — including walking and biking trails around scenic lakes, tennis courts, a fishing pier, and a larger clubhouse with pool. All of this is located just minutes from shopping, dining, and the beaches of Naples — making this villa the perfect combination of convenience, comfort, and lifestyle. Don’t miss this rare opportunity to own a slice of paradise in Naples’ hidden gem — Melrose Gardens at Berkshire Lakes!
Source: FORTMYERS #225073285
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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.