3305 Gordonia Cir SE Southport, NC 28461
Your savings
About this home
Privately situated on a half-acre wooded home-site that offers maximum privacy, this appealing one story living home that exudes warmth and character in the popular neighborhood of St. James Plantaiton. A tree lined, driveway leads to the double garage, beautifully accented with an eyebrow pergola, while a paved walkway, bordered by quaint landscaping, leads to the welcoming front porch. Inside, this thoughtfully designed 1,900-square-foot home features a comfortable three-bedroom, two-bathroom layout with a desirable split-bedroom design, providing both privacy and functionality for everyday living. Step inside and be greeted by a bright and cheerful foyer that sets the tone for the home's inviting character. Custom wainscoting, chair rail molding, and engineered hardwood floors flow seamlessly through the main living areas, including the elegant formal dining room, which is enhanced with picture rail and crown molding. Wide cased openings topped with open transoms connect the dining room to both the foyer and great room, allowing natural light to travel effortlessly throughout the space. The great room impresses with a vaulted ceiling and a gas fireplace framed by a beautifully detailed surround and mantle featuring dentil molding and millwork. The adjacent kitchen features abundant cabinetry, solid-surface countertops, a built-in desk area, and a tiled backsplash. A gas stove, recessed lighting, and a cheerful breakfast nook complete with continued trim detailing and a tropical ceiling fan add to the kitchen's appeal. Just beyond, the sunroom provides a relaxing retreat with durable LVP flooring and peaceful backyard views. Step outside to enjoy the open back deck with a retractable awning or the quaint paver patio below. Bordered by mature trees, the backyard feels like a private sanctuary perfect for quiet mornings or casual gatherings with friends and family. The private owner's suite is a warm and inviting retreat, featuring hardwood flooring, abundant natural light, and a cozy ambiance. Two closets including a generous walk-in provide ample storage and lead to the spacious en-suite bathroom complete with a dual-sink vanity, soaking tub, walk-in shower, private water closet, and additional built-in storage. On the other side of the home, an attractive hallway accented with beadboard, chair rail, and baseboard molding leads to two comfortable guest bedrooms with plush carpeting and sizable closets. The nearby hall bathroom continues the home's detailed craftsmanship with beadboard accents, chair and baseboard molding, a spacious vanity, and a tub/shower combination. Additional features of the home include thoughtful storage throughout, with convenient hall closets located near the guest bedrooms and another hall closet positioned by the laundry room. The spacious laundry area also provides direct access to the 2 car garage. If you are searching for a well built home in the heart of St. James Plantation you have found it!
Source: NORTHCAROLINAREGIONAL #100538034
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.