154 Kingston Park Ln Middle River, MD 21220
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About this home
154 Kingston Park Lane, Middle River, MD Type: Single-family residence Bedrooms: 3 Bathrooms: 2 full baths Living Area: Approximately 2,101 sq ft Lot Size: Around 10,660 sq ft (0.24 acres) Unique Character & Waterfront Living This home offers prime waterfront living on Dark Head Creek, featuring: 3 boat lifts including 2 jet ski lifts, 1 boat lift , new 50 foot slip to accommodate a 42 foot yacht. Deep water minimum 8 feet. No flood insurance required (elevated property) New HVAC system , new baths, updated kitchen , extra large washer/ dryer. Parking for 4 cars and a storage shed Welcome to 154 Kingston Park Lane — Waterfront Living at Its Finest! Step into this meticulously maintained, historic 1924 gem nestled along the tranquil shores of Dark Head Creek. Boasting hardwood floors, new a/c and hvac, three bedrooms, two updated full baths and tile flooring across approximately 2,100 sq ft of timeless charm, this home combines classic character with everyday comfort. Entertain or unwind in the generous living area warmed by a cozy wood-burning stove. Laundry is effortlessly handled on the main floor—efficiency meets ease. Venture through carol-glass atrium to your favorite hideaway: a screened porch that frames ever-changing water views and gentle breezes. Outdoor living takes center stage on the sizable fenced lot. Launch your boat directly from your long pier with lift, enjoy freshwater access, or simply relax, the spacious fenced yard extends right down to the water’s edge-the options are endless. Below, a full basement waits to be personalized—storage, workshop, or recreation—your choice. Historically solid and quietly updated with energy-efficient windows, this home is priced attractively relative to comparable homes in the 21220 area, offering value and lifestyle wrapped in one. Whether you're seeking a serene countryside escape or a waterfront retreat close to urban conveniences, this property delivers.
Source: BRIGHT #MDBC2137164
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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.
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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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