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$435,000
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9201 Middle Oak Dr, Fort Myers, FL 33967

3 beds · 2 baths · 1,457 sqft

Nestled in the tranquil Oakmont neighborhood of The Lakes at Three Oaks, 9201 Middle Oak Drive offers the perfect blend of comfort and convenience. This charming 3-bedroom, 2-bathroom single-family home boasts 1,477 sq. ft. of living space, ideal for both relaxation and entertaining. Step inside to discover a thoughtfully designed floor plan that enhances privacy and functionality. The spacious living areas are complemented by tile and carpet flooring, creating a warm and inviting atmosphere throughout. The well-appointed kitchen features modern appliances and ample counter space, making meal preparation a delight. The primary suite serves as a peaceful retreat, complete with an en-suite bathroom for added convenience. Two additional bedrooms provide flexibility for family, guests, or a home office. Sliding doors lead to a screened lanai, extending your living space outdoors where you can enjoy the serene surroundings and fenced back yard. Leased solar system is transferrable to new owners and provides efficient electric service at a very reasonable cost. Residents of The Lakes at Three Oaks enjoy access to a wealth of community amenities, including a basketball court, fitness center, business center, tennis court, clubhouse, picnic tables, BBQ areas, and a children's play area. Experience the comfort and convenience of 9201 Middle Oak Drive—schedule a tour today and make this delightful home your own.

Estimated
Seller's interest rate
3.55%
7%
Estimated
Monthly payment

$2,297
$2,757
You may also save up to $134,176 in total interest paid.

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.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,757 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
FHA
Rate
3.55%
Remaining term
24 yrs and 4 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,297
Principal & interest
$1,163
Mortgage insurance
$182
Property taxes
$435
Home insurance
$395
HOA fees
$121
Utilities
Not included

Source: Public records

Home details
Size
1,457 sqft
Lot size
0.1573 acres
Year built
1998
Type
Single Family Residence
HOA dues
$121.00

Source: FORTMYERS #225050347

Frequently asked questions

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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Last updated: Jun 21, 2025 05:52 pm
Listing agent: Timothy Kennedy (239) 823-0208
Listing provided courtesy of: VIP Realty Group Inc (239) 489-1100
Details provided by FORTMYERS and may not match the public record.
MLS ID: #225050347
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
Est. seller's rate
3.55%
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