1228 Eagles Crest Ln Saint Charles, MO 63303
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About this home
WELCOME TO 1228 EAGLES CREST LANE – A BEAUTIFULLY RENOVATED TWO-STORY HOME OFFERING OVER 2400 SQ. FT. OF FINISHED LIVING SPACE, 4 BEDROOMS, 4 BATHROOMS, 2 FIREPLACES, AN OVERSIZED 3-CAR GARAGE, AND A FULLY FINISHED WALK-OUT LOWER LEVEL DESIGNED FOR ENTERTAINING! This home impresses from the moment you arrive — with its charming brick exterior, meticulous landscaping, and multi-tier deck overlooking a large fenced backyard complete with an above-ground swimming pool, kids’ playground, and utility shed. Inside, you’ll find a thoughtfully updated interior showcasing new engineered wood and luxury vinyl plank flooring, fresh baseboards and crown moldings, modern light fixtures, and vinyl windows with blinds throughout. The main level offers a bright and open floor plan — featuring a spacious living room with a gas fireplace and bay sliding door leading to the deck, a renovated kitchen with new cabinetry, granite countertops, a stone backsplash, and stainless steel appliances, and a breakfast area perfect for family meals. You’ll also find a separate dining room, a versatile bonus room/office, a main-floor laundry room, and a convenient half bath. Upstairs, the primary suite is a true retreat — complete with a large walk-in closet and a luxurious renovated bath featuring a double-sink granite vanity, modern tilework, freestanding soaking tub, separate shower, and elegant fixtures. Three additional bedrooms and a stylishly updated hall bath complete the upper level. The finished lower level adds exceptional living and entertainment space, with a large recreation room, gas fireplace, wet bar, and sliding doors leading to a private patio surrounded by beautiful landscaping. There’s also a half bath, plus generous storage and utility rooms with a walk-out to the backyard. Additional highlights include the oversized 3-car garage (with tandem parking and extra storage area) and the newly updated staircase with elegant metal spindles. This move-in-ready home combines comfort, space, and style — perfectly located in a desirable St. Charles neighborhood, close to shopping, dining, parks, and highways. Come experience the perfect balance of modern updates and everyday functionality at 1228 Eagles Crest Lane!
Source: MARIS #25069750
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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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