164 Cape Hatteras Pt Oriental, NC 28571
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About this home
Welcome to your waterfront dream home! Tucked just off Dawson Creek, this stunning 4-bedroom, 4-bath residence seamlessly blends privacy, luxury, and comfort. Surrounded by mature trees, the property offers exceptional seclusion and natural beauty. Expansive windows throughout the home flood the interior with natural light, framing peaceful water views and creating a bright, airy ambiance. Upon entry, you're greeted by an open-concept layout with soaring ceilings and engineered hardwood floors throughout. The living room showcases a built-in bookshelf with additional cabinet storage and a gas-log fireplace—perfect for cozy evenings. The gourmet kitchen is a chef's dream, featuring a built-in self-cleaning double oven, ample prep and storage space, and a central island ideal for both entertaining and everyday use. The primary suite is a true retreat, highlighted by a large bay window overlooking the water. The en-suite bathroom includes a beautifully tiled walk-in shower, double vanity, and direct access to an oversized walk-in closet with custom built-in shelving for optimal organization. Three additional bedrooms are located on the opposite side of the home, offering privacy and flexibility. Each is generously sized, with a well-appointed bathroom, making them perfect for family, guests, or multifunctional use. Upstairs, you'll find two versatile bonus rooms—one with built-in shelving, ideal for storage or a playroom, and the other suitable as an additional bedroom, home office, or workout space. Both enjoy convenient access to the upstairs full bathroom. Outside, relax on your private dock equipped with a dock box—perfect for boating, fishing, or simply enjoying the peaceful waterfront setting. The spacious two-car garage also includes an additional bay for golf cart storage, a workshop, and extra shelving. A whole-home generator ensures year-round peace of mind. This home offers coastal living at its finest—private, elegant, and thoughtfully designed.
Source: NORTHCAROLINAREGIONAL #100511793
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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.