1104 Hibiscus Way Oceanside, CA 92054
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About this home
Welcome to 1104 Hibiscus Way, a beautifully upgraded townhome located in the sought-after Pacific Ridge community of The Tides. Built in 2019, this modern 3-story residence blends comfort, efficiency, and coastal lifestyle just minutes from the beach. Featuring 2 bedrooms and 2.5 bathrooms, the home showcases a thoughtfully designed layout with bright, open-concept living spaces and high-quality finishes throughout. The first floor includes a spacious 2-car attached garage with a Tesla charger and ample storage. Head upstairs to the main living level where you'll find a stunning kitchen with granite countertops, stainless steel appliances, white shaker cabinets, and bar seating that opens to a generous dining and living area. A private, covered balcony extends the living space outdoors, ideal for coastal breezes and morning coffee. Carpet flooring runs throughout the main floor, adding warmth and style. A powder room and convenient laundry area complete this level. The top floor features dual primary-style bedrooms, each with its own en-suite bathroom and walk-in closet. Energy-efficient features include owned solar panels, tankless water heater, dual-pane windows, and a smart thermostat. Pacific Ridge offers resort-style amenities including a community pool, outdoor BBQ area, dining space, and firepit — perfect for entertaining or relaxing after a day at the beach. Enjoy low-maintenance living with HOA-maintained grounds and proximity to top-rated schools, shopping centers, restaurants, and major commuter routes. Experience the best of Southern California living in this turnkey home with all the benefits of newer construction in a vibrant and established neighborhood. Don’t miss this opportunity to make Pacific Ridge your home base for work, play, and everything in between.
Source: CRMLS #OC25187490
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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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