14765 Carnegie Rd Magalia, CA 95954
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About this home
Tucked beneath a canopy of mature trees on a peaceful 0.24-acre lot, this charming 3-bedroom, 2-bath home is a true retreat from the hustle and bustle of everyday life. Built in 1991, the home welcomes you with rustic character and thoughtful design throughout. Step inside and be greeted by vaulted, open-beamed ceilings that add a spacious, lodge-like feel to the main living area. A wood-burning stove set in classic brick, brings warmth and timeless ambiance, making this the perfect space to unwind, gather with loved ones, or enjoy a quiet evening with a good book. The kitchen is well-equipped with a range, range hood, refrigerator, and dishwasher—ready to handle everything from quiet breakfasts to weekend entertaining. The semi-open layout provides just the right balance of connection and privacy between rooms, ideal for both relaxed living and hosting friends or family. Retreat to the primary suite, complete with a ceiling fan and comfortable proportions. Two additional bedrooms offer flexibility for family, guests, hobbies, or remote work. Practical features like indoor laundry hook-ups and an attached 2-car garage add convenience to daily life. Outside, enjoy the peace of the covered front porch, the relaxation of a back deck, and the freedom of a fenced backyard — all set among tall trees that offer shade, privacy, and a strong connection to nature. Whether you're sipping coffee as the sun rises, barbecuing with friends, or watching the seasons change from the deck, this home invites you to slow down and enjoy life’s simple pleasures. Located in an established neighborhood with a natural setting that feels far from the noise — yet still close to town amenities — this home offers a rare blend of tranquility and convenience. Whether you’re starting fresh, downsizing, or simply craving a place to call your own, this one-of-a-kind property offers warmth, charm, and room to breathe.
Source: CRMLS #PA25238712
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.