3649 Laketree Dr Fallbrook, CA 92028
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About this home
Located in the exclusive Laketree Estates in Fallbrook’s desirable Gird Valley, this beautifully remodeled single-story 2,450 sq. ft. home offers 3 bedrooms, 3 bathrooms, and sits on 1.47 private acres with breathtaking panoramic views. Set on a peaceful private road just moments from Monserrate Winery, the property blends luxury, privacy, and refined country living. Inside, natural light fills the open-concept layout, with the kitchen oriented toward sweeping vistas and featuring quartz countertops, abundant counter space, and seamless indoor-outdoor flow. Fully remodeled inside and out, the home showcases timeless finishes and meticulous attention to detail. Modern upgrades include natural gas, public sewer, fully paid solar with battery backup, a whole-house water conditioner, and a Sunlighten Signature Sauna. Outdoors, enjoy approximately 6,000 sq. ft. of paver driveway, patios, and walkways, along with garden walls, a tranquil water fountain, and mature landscaping with a variety of fruit trees. A second driveway with full utility access leads to a level pad with two 120 sq. ft. Tuff Sheds—offering excellent potential for an ADU, guest space, or multi-generational living. The home’s robust solar system can also power an additional structure. With captivating views and exceptional privacy, this residence embodies Gird Valley living at its finest—elegant, peaceful, and truly unforgettable.
Source: CRMLS #250042863SD
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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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