7146 Congdon Rd Fort Myers, FL 33908
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About this home
Indulge in a rare opportunity to own a one-of-a-kind luxury waterfront estate, offering two single family residence with three fully separate living spaces, a private play room, resort-style amenities, and exceptional income potential with daily rentals permitted. Tucked away on a lush, half-acre tropical oasis along scenic Hendry Creek, this extraordinary property offers the perfect blend of privacy, upscale design, and versatility—ideal as a personal retreat, vacation rental portfolio, or multi-generational residence. Thoughtfully designed for comfort and autonomy, the estate features three separate living spaces with a total of 4+ bedrooms and 4 bathrooms. Each unit is beautifully furnished, turnkey ready, and perfectly suited for guests or luxury rentals. At the heart of the property is an elevated saltwater pool, featuring a swim-up bar, sun shelf, Jewels cape glass-coated finish, oversized electric heater, and swim jet for exercise or playful enjoyment. All units enjoy direct access to the pool area, creating a seamless transition between indoor comfort and outdoor luxury. Enjoy direct Gulf access via your private dock with a 10,000 lb. boat lift and covered boathouse. From your backyard, it’s just a 20-minute scenic ride to Lovers Key and Dog Beach, making this a dream location for boaters and water lovers. Host in style with a chef-inspired outdoor kitchen, complete with a built-in gas BBQ, wood-fired pizza oven, seafood burner, and a large stainless-steel sink with hot and cold water, perfect for al fresco dining and gatherings. Bonus Features are Full RV hookup, Ample parking with three large driveways, No HOA, Impact-resistant windows and doors, Premium composite decking throughout dock and patios, Minutes to RSW Airport, beaches, shopping, healthcare, and fine dining. This stunning estate is truly unmatched in Southwest Florida, offering luxury living, privacy, and proven income potential—all in one extraordinary, turnkey package.
Source: FORTMYERS #225066776
Neighborhood
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Close stress-free in 45 days, handled start to finish by Roam.
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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.