2801 Monticello Dr Bartlesville, OK 74006
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About this home
BACK ON THE MARKET! Elegant 4-Bedroom Home on a Half-Acre in Colonial Estates Tucked away at the end of a quiet cul-de-sac in the highly sought-after Colonial Estates, this beautifully maintained 4-bedroom home offers the perfect blend of comfort, functionality, and timeless appeal—all set on a spacious half-acre lot with serene, tree-lined views. Step inside and enjoy a welcoming sightline straight through to the lush backyard, where a peaceful field of trees provides both privacy and a picturesque backdrop. Designed for everyday living and effortless entertaining, the home features multiple living areas, including a formal Dining Room, a cozy Family Room, a Living Room, and an eat-in Kitchen. The thoughtfully designed Kitchen boasts ample cabinetry, a pantry, center island, built-in desk, breakfast area, and a newer dishwasher—making it as functional as it is inviting. A wall of windows in the Great Room floods the space with natural light and frames views of the beautifully landscaped backyard. Ideal for remote work or quiet study, the dedicated Office offers an entire wall of built-in shelving—perfect for books, décor, or treasured keepsakes. Additional Highlights: New Vivint security system with cameras, temperature controls and technology. Newer flooring and exterior paint Stand-up storm shelter in garage Roof replaced just 7 years ago Peaceful cul-de-sac location Scenic and private backyard views This exceptional property combines elegance, practicality, and location—ready for you to move in and make it your own! PROPERTY IS BACK ACTIVE BY NO FAULT OF THE SELLER.
Source: MLSTECHNOLOGY #2532696
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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.