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1045 SW Embers Ter, Cape Coral, FL 33991
4 beds · 2 baths · 1,783 sqft
Step into this beautifully reimagined Cape Coral residence where classic structure meets modern elegance. Don’t be misled by the year built—this home has been completely and meticulously remodeled from top to bottom, offering the look, feel, and functionality of new construction without the hefty price tag. Situated on city water and sewer with all assessments fully paid, this property delivers both value and peace of mind. Inside, you'll find a thoughtfully designed split-bedroom floor plan with four spacious bedrooms. The main living area features expansive cathedral ceilings that enhance the home's open and airy feel. Gorgeous porcelain “wood plank” tile flooring, laid in a sophisticated herringbone pattern, runs throughout the entire home, adding warmth and character. The heart of the home is a fully updated kitchen complete with custom cabinetry, granite countertops, a walk-in pantry, a breakfast bar, and stainless-steel appliances—all included in the sale. Both bathrooms have been completely renovated with high-end finishes. The luxurious master suite boasts dual sinks with granite countertops, a large soaking tub, and a separate walk-in shower—perfect for unwinding in comfort and style. And if the indoor space doesn’t wow you, step outside onto your enclosed lanai and enjoy the private inground pool—ideal for relaxing, entertaining, or enjoying Florida’s sunshine year-round. Located in the vibrant city of Cape Coral, this home puts you near over 400 miles of scenic canals, ideal for boating, fishing, kayaking, or simply soaking in Southwest Florida’s beauty. With nearby golf courses and white-sand beaches just a short drive away, this property offers the quintessential Florida lifestyle—remodeled, refined, and ready to enjoy.
Source: FORTMYERS #225043380
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: FORTMYERS #225043380
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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