1645 Noma Ln Encinitas, CA 92024
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About this home
Mid-Century Modern Beauty with Ocean Views on 1.24 Acres in Leucadia Welcome to a rare opportunity to own a completely reimagined 1956 mid-century modern masterpiece, situated on 1.24 private acres in the hills of Leucadiaone of San Diegos most sought-after coastal communities. This single-story home combines timeless architecture with extensive, high-end renovations, delivering ocean and hillside views from nearly every room. Inside, youll find modern finishes throughout, with attention to detail in every space. The bedroom wing has been completely rebuilt from the floors up, offering updated construction, style, and peace of mind. The result is a seamless blend of mid-century charm and contemporary luxury. Step through the front door into a sunlit living area with panoramic picture windows and sliding glass door that invite the outdoors in. The living room, complete with a gas fireplace, flows into the dining area and a sleek galley kitchen featuring quartz countertops, stainless steel appliances, modern cabinetry, and designer hardware. The primary suite is a serene retreat with expansive views, remote-controlled shades, an en-suite bath, and a spacious dressing room with its own washer and dryer. Each of the four bedrooms features oversized upgraded solid-core doors, and one includes a private entrance, making it ideal for guests, in-laws, or rental income. Additional highlights include: 2020 4-zone Lennox Elite HVAC for customized comfort Two full laundry areas, each with washer and dryer Luxury vinyl plank flooring throughout No interior steps for easy accessibility Garage parking for two cars, plus space for at least five more vehicles Rooftop deck with stunning ocean-view sunsets Xeriscaped landscaping with succulents and water-wise design No HOA and no Mello-Roos Whether you're entertaining outdoors on the spacious patio or enjoying the peaceful, private setting with postcard-worthy views, this home offers the ideal blend of coastal living, modern design, and everyday functionality.
Source: SANDIEGO #NDP2508433
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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.