3975 Street Rd Street, MD 21154
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About this home
A Rare Find!—Your Slice of Country Paradise! Welcome to this thoughtfully updated, well-kept rancher nestled atop a private hill, surrounded by hundreds of protected agricultural acres. With modern amenities and timeless country charm, this one-of-a-kind property offers space, serenity, and spectacular views—just in time for the holidays and a front-row seat to the beloved Highland Tractor Parade. Enjoy a long, paved driveway leading to a 50'x65' barn with new roof, and gutters (2025), complete with 4+ horse stalls, grooming stall, chicken and rabbit coops, electrical upgrades, security camera and Wi-Fi connectivity via a wireless bridge. The home itself boasts a new roof and gutters, updated interior paint, outlets, switches, and network cabling, plus Nest thermostats, a generator transfer switch, and doorbell cameras linked to the home chime. Outdoors, entertain under a covered patio with skylights and ceiling fans, or relax by the inground pool with a new liner (2021) and pump (2024). Raised gardens, a front gate, floodlights, and security cameras enhance both beauty and peace of mind. Whether you're riding horses, 4-wheelers, or simply soaking in the quiet, this property offers unmatched freedom and functionality. Additional features include: RV/EV charging outlet New Well pump and radon mediation system Updated Dishwasher, washer/dryer, stovetop/range New Chimney flue liner for wood stove Wi-Fi access points in house and barn Outlets and lighting in run-in/shed Located just minutes from Bel Air’s shopping, schools, and top-rated restaurants, this private retreat is truly a must-see. It’s a rare opportunity to own a home that blends modern convenience with country living.
Source: BRIGHT #MDHR2047930
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.