141 Poland St Montross, VA 22520
Your savings
About this home
Charming Coastal Retreat in Driftwood Beach Community – 141 Poland St, Montross, VA 22520 Looking for peaceful living near the water? This 2-bedroom, 1-bathroom single-story home, built in 1976, offers 1,008 sq ft of cozy comfort with classic charm and unique outdoor spaces — all on a spacious 0.5-acre lot in Westmoreland County. Inside, you'll love the wood-burning brick fireplace, original wood floors, and sunroom that floods the space with natural light. Step outside to find a screened-in porch, multiple decks, and a very large back patio — perfect for entertaining or relaxing in the serene setting. One of the standout features is the large detached garage, ideal for multiple vehicles, lawn equipment, a workshop, or extra storage space. The upstairs unit in the garage offers potential for an additional bedroom, guest suite, or home office. A large driveway provides ample parking for guests, boats, or trailers. Located in the sought-after Driftwood Beach Community, you're just steps from the private community beach and boat ramp — making water access quick and easy. Spend your weekends exploring the Potomac River, cruising up to Washington D.C. or down to the Chesapeake Bay and make your way to Newport News. Only minutes from Westmoreland State Park, and less than 40 minutes to Tappahannock, this location is a perfect mix of nature, recreation, and convenience. If you’ve been dreaming of life by the water, this is your chance to make it a reality!
Source: BRIGHT #VAWE2009676
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.