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2256 River Oak Ln, Fort Myers, FL 33905
3 beds · 2 baths · 1,548 sqft
Come be part of this beautiful private oak lined street, this 3 bedroom/ 2 bath home full of country charm could be your forever home. Home has newer roof in 2018, extra wide driveway with room for your boat and RV. Home has 30-amp RV hook up for your guests. Inside of home features crown molding throughout with waterproof light wood floors. The kitchen is lined with plenty of cabinets for storage. Cabinets are painted white uppers and blue lowers with spacious island and flat top stove and oven; countertops are black granite tile with full large black farmhouse sink. The living room features a stunning original Masons wood burning fireplace, and more cabinets and built in desk area. Back yard features insulated roof panels for the lanai and top end hot tube that will stay with the home. Master bedroom shower is lined with travertine and dual shower heads. Guest bath is nicely done with shiplap wall new tile and deep jacuzzi brand tub (no bubbles) as well as stylish double Sink and marble countertop. Most holidays are spent with the neighbors down at the dock cooking, shooting off fireworks and sitting around the fire pit that is all common and private property for the homeowners to enjoy, the dock was just rebuilt March 2025 so pull up the boat and hang out or spend your evenings soaking a bait and watching the sunset with a cold beverage. We have caught Snook Redfish and Tarpon from the dock. The boat ramp is perfect for launching your Kayaks and paddle boards, bigger boats have the option of the Franklin locks and Davis boat ramps both approximately 1 mile away. You can take the river down to the Gulf of America about 45 min or take the day and cruise East to Lake Okeechobee and on to the East coast Palm Beach and The Atlantic Ocean. If you love to boat and relax don't miss this one. NO HOA ALL HOMES ARE 1/20TH DEEDED OWNERS OF COMMON GROUNDS, DOCK, AND BOAT RAMP. THIS HOME HAS NEVER FLOODED. Flood insurance policy in place and transferrable.
Source: FORTMYERS #225028974
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 #225028974
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.
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