285 Chisholm Trl Bastrop, TX 78602
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About this home
Welcome home to this beautifully maintained 4-bedroom, 2.5-bath residence nestled in the desirable gated community, Colony of Bastrop. Boasting over 2,700 square feet of thoughtfully designed living space on a .602-acre lot, this home is the perfect blend of functionality, comfort, and modern style. Step inside to find tile flooring throughout the main living areas for easy maintenance, with carpet in the bedrooms for added warmth and comfort. The open-concept layout seamlessly connects the living, dining, and kitchen areas, creating a bright, airy space perfect for both everyday living and entertaining. A formal dining room also adds an additional option. The spacious main suite offers a true private retreat with plenty of room to unwind. Treat yourself with a walk-in closet that includes many built-ins. Outdoors, enjoy a covered patio overlooking a large fenced-in backyard—perfectly sized for family gatherings, pets, or even your future dream pool. The front porch is also covered providing a great place for relaxing. The oversized garage has wonderful epoxy flooring for the car expert in your family. The home also provides a double gate leading to the backyard with extra concrete – a rare and valuable feature for boat or trailer owners. Additional highlights includes roof recently replaced in May 2025, storage, and a prime location near shopping, restaurants, parks, and top-rated schools. The Colony is one of Bastrop’s most sought-after communities for its peaceful setting, walking trails, sports courts, and other community amenities, and quick access to both Austin and charming downtown Bastrop. Don’t miss your chance to own this move-in-ready gem. Schedule a private tour today!
Source: ACTRIS #3314910
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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.