125 Pelican Ln Harkers Island, NC 28531
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About this home
Motivated Seller! A charming retreat on Harkers Island, North Carolina, is ready for its next owner. Located second row with scenic views of the back sound, this two-story home features a unique floor plan with plenty of space to enjoy. It includes three bedrooms, three baths, a second-floor living area with kitchen and dining, and bedrooms and baths on the first floor, plus a separate suite with its own bath. The second-floor deck offers stunning views of the back sound, perfect for enjoying sunrises and sunsets. Inside, the bright and open living and kitchen area boasts wood floors, beadboard walls, a plank ceiling, and recessed lights. The kitchen is modern, with counter seating, stainless steel appliances, a wide sink, and pendant lighting. The second floor also has a large storage space. On the first floor, you'll find three bedrooms with spacious closets and two full baths. A small breezeway connects to a separate suite and bath, ideal as a guest suite or office. The large attached single-car garage provides access to the screened-in lower porch. Lower screened in porch has access to the yard. There's an outdoor shower with seating to clean off after a day at the beach. Additional storage shed located on the property. A new roof, including the shed, was installed in 2024. The paved driveway offers convenient parking. This home is close to local restaurants, stores, the public ferry to Cape Lookout Lighthouse, and more. Home is approximately 18 miles to the Historic Beaufort waterfront and 20 miles to Morehead City, home of the Big Rock fishing tournament. If you've been dreaming of a home on Harkers Island, this is your chance! Property has easement access. Washer and dryer are not included. Exterior stairs need repairs. Ask for a copy of the residential property disclosure for additional information. Carteret county tax amounts update in September 2025.
Source: NORTHCAROLINAREGIONAL #100524736
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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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