335 Sutton St Yorkville, IL 60560
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About this home
WINDETTE RIDGE SUBDIVISION - SPACIOUS 2,487 SQ FT HOME with 4 BEDROOMS, 2.5 BATHS, 3-CAR GARAGE, FULL UNFINISHED ENGLISH BASEMENT. Enjoy outdoor living with a LARGE BACKYARD, ELEVATED DECK, BUILT-IN FIREPIT AND POOL - perfect for entertaining or relaxing. Step into the two-story foyer, which leads you to the formal Living and Dining Room or upstairs. Just around the corner is the heart of the home - the Kitchen, Breakfast Room and Family Room...with direct access to the deck, pool and backyard oasis! The Family Room features multiple windows, a striking stone fireplace with wood mantle, and an adjacent flex room-ideal for an office, music room, reading nook, or gaming space. A first-floor laundry/mudroom connects conveniently to the garage. Upstairs, the Primary Bedroom offers a tray ceiling, walk-in closet, and en-suite bath with double sinks, soaking tub, and separate shower. A full hall bath with double sinks serves the three additional bedrooms. The English basement is filled with natural light-ready to be finished to suit your needs! There are walking trails around the pond and a park / playground within the subdivision. Conveniently located on the south side of Yorkville, just off of Rt 47 with easy access to Rt 71 (Oswego or Ottawa), Old Downtown for restaurants or further north to Rt 34 where you can find shopping and entertainment. UPDATES NEW SINCE PURCHASED: Water Heater & Fresh Interior Paint in several rooms (2025) * Roof & Pool Pump (2024) * Pool Liner (2023) * Solar Panels (see lease agreement) * Hardwood flooring (Brazilian Cherry) on the first floor * Granite countertops with a stone backsplash in Kitchen and Baths * Exterior repainted * Extended the back deck (Trex) and added deck firepit, and the above ground pool with retaining wall and landscape bricks * Added blower on the interior fireplace * Wash Machine * Landscaping * Resealed driveway * Wood Shelves and pull-down staircase in the garage. Easy to show...come see it for yourself!
Source: MRED #12362179
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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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