1178 Idylewild Dr Annapolis, MD 21409
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About this home
Welcome to 1178 Idylewild Drive – Where Coastal Charm Meets Suburban Convenience Nestled in the highly desirable waterfront community of Cape St. Claire, this beautifully updated 3-bedroom, 2.5-bath split-level home offers the perfect blend of modern comfort and timeless character. From the moment you arrive, the inviting curb appeal and oversized front porch set the tone for relaxed Annapolis living. Step inside to find over 2,000 square feet of finished space with an open-concept main level featuring hardwood floors, cathedral ceilings, a cozy brick fireplace, and a gourmet kitchen with upgraded countertops and stainless steel appliances. The lower level offers a private retreat with a spacious bedroom and full bath—ideal for guests, a home office, or multigenerational living. Enjoy the outdoors with a generous deck overlooking a level, tree-lined yard—perfect for entertaining or quiet evenings at home. But the real magic? The location. Cape St. Claire is more than a neighborhood—it's a lifestyle. Residents enjoy exclusive access to community beaches, boat ramps, fishing piers, a clubhouse, basketball courts, and tot lots—all for a nominal annual HOA fee. The community pool offers memberships, and local favorites like the Cape St. Claire Shopping Center, Graul’s Market, and Cape Liquors are just minutes away. Commuters will appreciate quick access to Route 50 and Downtown Annapolis, while outdoor enthusiasts can explore nearby Sandy Point State Park and the Chesapeake Bay. Zoned to Broadneck High School and part of the Anne Arundel County Public School District, this home is ideal for those seeking top-tier schools in a vibrant, established waterfront community. Don’t miss this opportunity to own in one of Annapolis’ most cherished enclaves—schedule your private showing today and discover why Cape St. Claire is the hidden gem of the Broadneck Peninsula.
Source: BRIGHT #MDAA2122494
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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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