320 W 10th St Charlotte, NC 28202
Your savings
About this home
Charming 3-Bedroom, 3-Bathroom Tri-Level Townhome in the Heart of Charlotte’s Historic Fourth Ward! Welcome to this beautifully maintained townhome offering the perfect blend of comfort, style, and location. From the inviting covered front porch, step inside to a bright and spacious family room featuring gleaming hardwood floors, abundant natural light, and a cozy gas fireplace. This versatile space is large enough to accommodate a sitting area, study, or reading nook, making it as functional as it is welcoming. The main level flows seamlessly into the dining area and well-appointed kitchen. Designed with the home chef in mind, the kitchen boasts stainless steel appliances—including a gas range—ample cabinetry, and a layout perfect for both everyday living and entertaining. Just off the main level, a large private deck expands your living space outdoors, offering the ideal setting for grilling, dining al fresco, or hosting friends and family. Upstairs, you’ll find two bedrooms and two full bathrooms, including a bright and spacious primary suite complete with its own private bath and walk-in closet. The lower level provides additional flexibility with a third bedroom and full bathroom—perfect for a guest suite, home office, or media room. The lower level garage offers plenty of space for parking and storage, accommodating most vehicles with ease while still leaving room for bikes, tools, or seasonal décor. There is also space for a second car in the driveway and street parking is readily available. A storage shed has also been built for additional space. Located in one of Charlotte’s most desirable neighborhoods, this home puts you right in the center of the vibrant Fourth Ward. Enjoy tree-lined streets, charming parks, and a welcoming community atmosphere—all while being just moments away from Uptown’s dining, shopping, entertainment, and cultural attractions. Don’t miss your opportunity to own this spacious, move-in ready home that combines urban convenience with neighborhood charm. Make sure to view the community courtyard, which is part of the Fourth Ward Garden Tour every year. Potentially assumable VA loan at 2.75% interest rate, too!
Source: CANOPYMLS #4296364
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.