Welcome to 10450 Windsor Way, an extraordinary, fully reimagined luxury residence in the highly sought-after community of Victoria Park—one of Naples’ most exclusive and rarely available neighborhoods, perfectly positioned in the heart of Naples, Florida. This is more than a home; it’s a statement property where modern design, high-end upgrades, and an unbeatable location converge to create a truly exceptional lifestyle. From the moment you arrive, the elongated marble driveway and pristine curb appeal set the tone for what awaits inside. A 2019 metal roof crowns the home, while lush landscaping and mature palms frame the property with timeless Florida elegance. Victoria Park is known for charm, family friendly, and limited inventory—making opportunities like this incredibly rare. Inside you are greeted by a totally redesigned interior defined by soaring ceilings, exposed wood beam accents, designer lighting, and new wide-plank tile flooring throughout (no carpet). The open-concept layout flows seamlessly, creating an inviting yet sophisticated atmosphere ideal for both everyday living and upscale entertaining. The recently updated kitchen is a true showpiece. Custom dark cabinetry, sleek quartz countertops, high-end stainless steel appliances, double wall ovens, an oversized island with built-in storage, farmhouse sink, modern pendant lighting, and subway tile backsplash all come together in a clean, contemporary aesthetic. The space opens effortlessly to the dining and living areas, where natural light pours in and designer finishes elevate every detail. Retreat to the expansive primary suite featuring a spa-inspired bathroom with a soaking tub, oversized walk-in glass shower, and an impressive custom walk-in closet with built-in cabinetry & abundant storage. Function meets luxury in the beautifully redesigned laundry room, complete with custom cabinetry, farmhouse sink, brick accent wall, and abundant workspace. Additional upgrades include a newer AC unit, newer water heater, and new Aroma360 scent system, creating a fresh, elevated ambiance. Hurricane impact windows provide added peace of mind, and a well system has been installed for lawn irrigation efficiency. Step outside to your private resort-style backyard oasis. The custom pool, deck, and fencing-completed in 2019, create a stunning outdoor living environment designed for both relaxation and entertaining. Clean modern lines, geometric hardscape details, and lush greenery surround the sparkling pool, while the covered lanai offers shaded seating and seamless indoor-outdoor living. The fully fenced yard includes a dog fence system with 2 collars & features a charming vegetable garden. Victoria Park’s prime Naples location places you just minutes from championship golf courses, white sand beaches, and world-renowned dining & shopping! For buyers seeking a completely redesigned residence in one of Naples’ most desirable neighborhoods, this is the opportunity you’ve been waiting for!
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
