413 Summerhouse Dr Holly Ridge, NC 28445
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About this home
PRIME LOCATION! It's more than a home, this is a LIFESTYLE! Welcome to a Summerhouse classic, where sunsets over Spicer Lake (affectionately known by residents as ''The Big Lake'') are part of your daily routine. Built in 2021 by Reeves Construction, this popular and functional floorplan checks every box — curb appeal, thoughtful design, and a location that captures the very best of Summerhouse living. The inviting front porch sets the tone for the warmth and charm inside. As you step through the front door, the lake views immediately pull you through the home and into the heart of the living space. The kitchen is a true centerpiece — crisp white cabinetry with glass-front uppers, quartz countertops, shiplap-wrapped range hood, stylish tile backsplash, gas range, under-counter microwave, and a walk-in pantry. The generously sized living room features a gas fireplace framed by shiplap built-ins, adding a touch of coastal character. The primary suite is a private retreat with a tray ceiling, sliders that open to the back deck, and an ensuite bath boasting a soaking tub, glass walk-in shower, dual vanities, and sea-glass-hued quartz countertops. The main level also includes a convenient laundry room and half bath. Step outside to the expansive back deck — the perfect vantage point for the spectacular sunsets Summerhouse is known for. The lower level has its own entrance and drop zone, leading to a spacious second living area, an additional bedroom, and full bath. Sliders open to a covered patio and level backyard. Upstairs, you'll find two more bedrooms and a full bath. Additional perks include LVP flooring, floored attic storage, and a whole-house water softener. Living in Summerhouse on Everett Bay means enjoying resort-style amenities — a spectacular clubhouse, resort pool, fitness center, pickleball courts, playground, walking trails, boat launch, day docks, and secure boat storage — all in a vibrant, social coastal community Situated along the Intracoastal Waterway and just a short drive to the pristine beaches of Topsail Island, you're also perfectly positioned between Wilmington, Jacksonville, and Camp Lejeune. This is more than a home. This is your coastal oasis. For information about our preferred lender and the incentives you may qualify for, please ask your agent to review the Agent Remarks for additional details.
Source: NORTHCAROLINAREGIONAL #100524444
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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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