306 Sunny Lake Rd Moyock, NC 27958
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About this home
Welcome to 306 Sunny Lake Rd - a bright, spacious, and thoughtfully designed six-bedroom home located just minutes from the Virginia state line. Built in 2020, this home blends modern finishes, natural light, and flexible living space—all on a flat lot with no steps to enter. Inside, the open layout flows from the foyer into the kitchen, dining, and living areas. The kitchen features granite countertops, maple cabinetry, stainless steel appliances, a walk-in pantry, and an island with seating for four. It opens into the dining and living rooms, making daily living and entertaining easy. The main floor includes a private bedroom with access to a full Jack-and-Jill bath—ideal for guests or flexible living—plus a large flex room with French doors, perfect for a home office or creative space. Upstairs, the oversized primary suite offers tray ceilings, a 7x7.5 walk-in closet, and a spa-like ensuite with a tiled walk-in shower, double vanity, private water closet, and a second 11x4.5 walk-in closet. Four additional bedrooms with ceiling fans and ample light share a full hallway bath with a double vanity and tub/shower combo. A laundry room with upper cabinets completes the second floor. Enjoy a flat backyard with an 11x24 concrete patio and 8x12 shed. The front yard is landscaped with flower beds along the driveway and a covered porch. A two-car garage adds convenience and storage. Additional highlights include LVP flooring in main areas, tile in bathrooms, carpet in bedrooms, a tankless water heater, a water softener, and zoned HVAC. Located in a newer community with a small monthly HOA, this home is just 4.3 miles from the Virginia state line and close to Chesapeake, grocery stores, dining, and commuter routes.
Source: NORTHCAROLINAREGIONAL #100528252
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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.
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