107 Mina Dr Middletown, MD 21769
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About this home
Welcome home to 107 Mina Drive — where comfort, style, and location come together beautifully in the heart of Middletown. Lovingly maintained and thoughtfully updated, this Admar custom-built 4-bedroom, 3.5-bath residence in the sought-after Foxfield neighborhood sits on a beautifully level lot measuring just under a half acre. Enjoy being just steps from Middletown Park and walking distance to the highly rated Middletown schools, the public library, and Main Street’s shops, restaurants, and community events. Inside, warmth and style unfold in every detail. The open-concept design features wood floors, neutral paint, custom plantation shutters, and expansive windows that fill the home with natural light and frame serene views of the backyard. The family room’s vaulted ceiling and custom built-ins surrounding a stunning floor-to-ceiling stone gas fireplace create the perfect gathering spot—cozy in winter, bright and welcoming year-round. The updated kitchen showcases new cherry cabinetry, quartz countertops, a glass tile backsplash, and stainless-steel appliances, blending beauty and function for everyday living and effortless entertaining. A first-floor office provides the perfect space for remote work or quiet study, and a main-level laundry room adds everyday convenience. Upstairs, the spacious primary suite offers a private retreat with an updated shower and generous closet space, while custom closet organizers throughout add style and efficiency to every room. Three additional bedrooms provide flexibility for family, guests, or creative use. The finished basement expands your living area with a large recreation room, separate game room, full bath, ample storage, and a convenient walk-out exit—ideal for guests, hobbies, or movie nights. Outdoors, unwind on the comfortable front porch or enjoy your park-like backyard oasis, complete with a 25,000-gallon heated pool, expansive deck, and soft mountain views in the distance. The fenced rear yard also includes a spacious deck and storage shed, offering both beauty and function for everyday enjoyment. From pool parties to peaceful sunsets, every season feels special here. A two-car garage provides ample parking and additional storage for today’s lifestyle. Major system updates include an HVAC system with an indoor unit from 2014 and an outdoor unit from 2018, a 2022 water heater, and an architectural shingle roof installed in 2019. Offering 2,580 finished square feet above grade and 1,100 finished square feet below grade (1,440 total basement), this home perfectly balances comfort, craftsmanship, and convenience. This is the kind of home where mornings start with coffee on the porch and evenings end with sunsets by the pool. Designed for connection and comfort, every space invites you to slow down and savor life in Middletown.
Source: BRIGHT #MDFR2072806
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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.
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