21117 Catnip Ct Leonardtown, MD 20650
Your savings
About this home
Located on a quiet, no-through street in the desirable Kingston Estates community of Leonardtown, this home sits atop a gentle hill with no other houses in sight, offering exceptional privacy. A classic southern-style front porch welcomes you with views of mature landscaping, including weeping willows. The extra-large driveway provides ample parking, including two additional spaces beyond the attached garage. Inside you’re greeted by a soaring two-story foyer that sets an elegant tone. The main level features a traditional layout with real hardwood flooring in the living room and new flooring throughout the remainder of the level. Fresh paint adds a clean, modern finish. At the front of the home, a room with French doors offers flexibility as a formal dining room, office, or study. The eat-in kitchen includes marble countertops, a center island, tile backsplash, stainless steel GE appliances, and a large walk-in pantry. The kitchen opens to a cozy family room with a wood-burning fireplace, perfect for gathering. A convenient half bath completes the main floor. The upper level includes four spacious bedrooms, all with new flooring and fresh paint, plus real hardwood flooring in the hallway. The primary suite enjoys wooded views from numerous windows, along with a soaking tub, dual sinks, a walk-in shower, and a generous linen closet. A second full bathroom serves the additional bedrooms. The fully finished basement offers incredible versatility with a fifth bedroom, full bathroom, wet bar, laundry area, and flex space ideal for a gym, rec room, or office. It’s been freshly painted and is ready to adapt to your needs. Step outside to a composite screened deck and private backyard, which backs to a Forest Conservation Area ready for exploration. There’s also a small, fenced area perfect for pets. Despite the wooded surroundings, you’ll enjoy plenty of open, usable yard space. Two sheds offer additional utility, including a “Man Cave or She Shed” with heat & a/c as well as a 20′×24′ Amish-built structure with electric and lofts, perfect for storage or a workshop. With over 3,000 sq ft of finished living space, a thoughtful layout, and flexible rooms that adapt to a variety of needs, this lovingly maintained home—offered by its original owners—is designed to support your lifestyle through every season of life. Nestled on a peaceful 1.38-acre lot, it also provides peace of mind with major system and structural updates, including two high-efficiency HVAC systems (2023 & 2025), a durable architectural roof (2018), and a whole-home water filtration system for added comfort and water quality. Whether you're working from home, hosting guests, or embracing your next chapter, this property blends functionality, space, and long-term value
Source: BRIGHT #MDSM2027750
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.