6059 Montego Bay Loop Fort Myers, FL 33908
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About this home
TURNKEY GULF ACCESS RETREAT —FULLY FURNISHED & READY TO ENJOY! Welcome to your Gulf-access paradise, offered completely turnkey with all furnishings included! This meticulously maintained 3-bedroom, 2.5-bath coastal retreat delivers direct Gulf of Mexico access and comes with your own private dock featuring new composite decking and electricity, ideal for serious anglers and sunset cruisers alike. Spend your evenings fishing for tarpon, snook, and mangrove snapper under the snook light or watching playful dolphins and gentle manatees glide by. Launch your kayak or boat and enjoy a scenic 25-minute ride to open water! The exterior shines with brand-new Khaki Brown Cedarmill fiber cement lap siding (2025), fresh paint, a brick façade, and a new vinyl fence with gates (2024). Both front and back stairs were re-decked with railings (12/2023), and impact windows (2024) add comfort, security, and efficiency. Built with strength and longevity, the first floor is solid concrete block, the second level features durable metal frame construction wrapped in HardiPlank siding, and it’s all topped by a metal roof for ultimate peace of mind. The TURNKEY interior captures true Florida style—light, bright, and breezy. High ceilings and luxury tile flooring complement the coastal décor, with every room thoughtfully furnished and move-in ready. The remodeled kitchen is a showstopper with quartz countertops, stainless steel appliances, cherry cabinetry with glass fronts, and a custom backsplash. Plantation shutters, updated lighting, and tasteful finishes carry throughout. The primary suite is a serene escape with a transom window, French doors to a large screened lanai, and a spa-inspired bathroom. Both full baths were fully renovated in 2023, and all doors were replaced in 2020 for a modern, cohesive look. Downstairs, the oversized garage is more than just parking, it’s a climate-controlled bonus area with a split-unit AC, perfect as a workshop, game room, or hobby space. Enjoy the perks of waterfront living without worry, thanks to the home’s elevated design. Take advantage of the community pool and boat ramp just steps away, ideal for a quick launch or a relaxing dip after a day on the water. Located near top-rated schools, beaches, shopping, and RSW Airport, this property offers the ultimate blend of lifestyle, location, and livability. Bring your suitcase and your sunscreen, everything else is already here. Schedule your private showing today and make this fully furnished, TURNKEY Gulf-access home yours!
Source: STELLAR #A4639399
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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.