3023 Wildflower Dr La Plata, MD 20646
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About this home
There’s something about this house that makes people smile the moment they walk in. Maybe it’s the light that spills through every window, or the way the open layout feels both grand and comfortable at the same time. Either way, this one just feels right. Beautifully designed and freshly painted, this home in the sought-after community of Agricopia was built for living ... really living. Enter through the front door and you’re greeted by gleaming hardwood floors and a two-story foyer with a catwalk that’s seen it all: first-day-of-school smiles, prom-night photos, holiday garlands, and maybe even a few dramatic “I’m-running-late” coffee struts. The kind of space that turns everyday life into memories. The thoughtful details are everywhere. Elegant moldings, generous room sizes, and that perfect balance between charm and functionality. The private main-level office is ready for your work-from-home days (or those moments when you just need to “take a call” and hide for five minutes). The formal living and dining rooms are gracious yet inviting — perfect for gatherings that stretch long after dessert. The kitchen is the heartbeat of the home, and this one delivers: granite countertops, stainless steel appliances, a hand-selected tile backsplash, and enough natural light to make your morning coffee feel like a scene from a commercial. It opens beautifully to the family room, where the warmth of the wood-burning fireplace practically insists you slow down for a bit. Upstairs, you’ll find four spacious bedrooms — including a primary suite that’s less “room” and more “retreat.” Two walk-in closets, dual vanities, a soaking tub, and a separate shower create that quiet space you’ll actually look forward to unwinding in. The laundry room’s upstairs too, because whoever designed that knew exactly what they were doing. The lower level is unfinished, but here’s where it gets fun — this is your blank canvas. A gym, theater, rec room, workshop, or maybe just the most organized storage space you’ve ever had. It’s all possibility. And out back? Three levels of decking, artful hardscaping, and plenty of space to create your own backyard vibe — whether that means a dining area under the stars, a cozy firepit corner, or a place for the dog to live his best zoomie life. The paver-lined flowerbeds add the perfect finishing touch and keep things looking crisp year-round. Agricopia is one of those neighborhoods people wait for — close to downtown boutiques, restaurants, schools, parks, and easy commuter routes to DC, Virginia, and local bases. It’s not just convenient. It’s community. There are houses, and then there are homes that make you *feel something.* This one? It’s ready for its next chapter. The only question is .... are you?
Source: BRIGHT #MDCH2048162
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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.