28 Outback Trl Nebo, NC 28761
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About this home
BRAND NEW ROOF ON HOUSE AND DETACHED GARAGE! Just minutes from Lake James, this custom-built 3BR/3.5BA mountain retreat blends rustic charm with modern comfort—and yes, short-term rentals are allowed! Built by the respected Blue Ridge Log Homes, every detail speaks to craftsmanship, durability, and timeless Appalachian style. Step inside and immediately feel the warmth of a true mountain lodge with vaulted ceilings that create a sense of openness and connection to the outdoors, rich 4” oak hardwood floors throughout the main living areas, custom pine molding and trim, and a breathtaking floor-to-ceiling stone fireplace with remote-control gas logs—the heart of the home and perfect for cozy evenings. Each of the three bedrooms is designed as a private retreat with its own en-suite full bath, ensuring comfort and convenience for family and guests, while a half bath off the main living area adds functionality when entertaining. The kitchen combines rustic charm with modern convenience, featuring custom cabinetry, Corian countertops with an integrated sink for seamless cleaning, and plenty of storage for cooking and entertaining needs. Oversized windows and French doors bring the outside in, flooding the home with natural light and highlighting the surrounding trees and mountain backdrop, while the living room flows seamlessly onto two expansive decks perfect for hosting friends, sipping morning coffee, or watching the seasons change across the Blue Ridge. The oversized detached two-car garage is more than just parking—it includes 448 sq ft of overhead finished space, perfect for a studio, workshop, guest quarters, home office, or simply additional storage for kayaks, paddleboards, and mountain bikes. Located in The Meadows, this property offers both peace and accessibility, with Lake James State Park minutes away for hiking, boating, and swimming, plus breweries, shopping, and dining nearby in Marion and Morganton, and easy I-40 access to Asheville, Hickory, and Charlotte. Whether you’re seeking a tranquil full-time residence, a weekend escape, or an income-producing short-term rental, this home delivers flexibility and long-term value. With a brand-new roof, STR approval, custom craftsmanship, spacious decks, and versatile garage loft space, this home is more than just a house—it’s a lifestyle of mountain living at its finest. Don’t miss the opportunity to own a home that combines character, quality, and location in one perfect package.
Source: CANOPYMLS #4249143
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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.