110 Norine Dr Holly Ridge, NC 28445
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About this home
Discover the perfect blend of elegance, comfort, and coastal charm in this beautiful 4-bedroom, 2-bathroom residence, ideally positioned on a spacious nearly half-acre lot in the prestigious waterfront community of Kings Harbor. Enjoy the peace and privacy of being outside city limits, while remaining just moments from the pristine shores of Topsail Island and convenient to local military bases. A welcoming covered front porch sets the tone for the warm, yet sophisticated interior, where an open-concept layout unfolds beneath vaulted ceilings and abundant natural light. The inviting living area is anchored by a gas fireplace, creating a cozy focal point for relaxing or entertaining. The gourmet kitchen is a chef's delight, featuring stainless steel appliances, tile flooring, a pantry, ample cabinetry, and a sleek InSinkErator disposal. The breakfast bar offers the perfect space for casual dining, all while enjoying scenic views of the quiet backyard. Retreat to the primary suite, complete with a walk-in closet and an ensuite bath showcasing dual vanities, a step-in shower, and a generous linen closet. Two additional well-appointed guest bedrooms, a full guest bathroom, and a spacious laundry room complete the main level. Upstairs, a flexible bonus room—ideal as a fourth bedroom, home office, or media space—features brand new plush carpeting. Freshly painted and ready for its new owner, this home is also equipped with a Generac Whole Home Generator for uninterrupted comfort and security. Outside, you'll find a storage shed with covered storage on both sides and a dedicated covered parking area—perfect for a boat. Residents of Kings Harbor enjoy exclusive access to a private community boat ramp, located just one street away, offering direct water access via Kings Creek, which opens into Spicer Bay and the Intracoastal Waterway. This is coastal living at its finest—private, polished, and primed for your next chapter. Schedule your private tour today and experience the elevated lifestyle that awaits in Holly Ridge's hidden gem. For information about our preferred lender and the incentives you may qualify for, please ask your agent to review the agent comments for additional details.
Source: NORTHCAROLINAREGIONAL #100522243
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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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