4228 Lewis St Oceanside, CA 92056
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About this home
Welcome to your coastal retreat! This stunning single-story, newly painted gem blends timeless charm with modern luxury. Offering 3 bedrooms, 2 bathrooms, and 1,540 sqft of beautifully upgraded living space, this home sits proudly on a 6,800 sqft lot with an array of features designed to elevate your lifestyle. As you approach, the curb appeal captivates with meticulously landscaped turf in the front yard, vibrant roses, towering palm trees, and a beautiful step-up walkway leading to your front door. RV parking makes this property ideal for adventure enthusiasts, and the city views and cool ocean breezes provide a perfect backdrop for your everyday escape. Step inside to discover vaulted ceilings and a light-filled interior enhanced by skylights, large windows, and modern upgrades throughout. The entry welcomes you with gorgeous tile flooring that flows seamlessly into the heart of the home. The remodeled kitchen is a showstopper with brand-new countertops, dual ovens, custom cabinetry, and a stunning chandelier that makes every meal an occasion. The kitchen slider leads effortlessly to your private oasis—a backyard that redefines outdoor living. Your personal paradise features a brand-new pool, a luxurious spa, a cozy fire pit, and a garden ready for your green thumb. A large retaining wall provides privacy and structure to this entertainer's dream space. Whether hosting friends or relaxing under the stars, this backyard has it all. The spacious primary suite boasts a remodeled en-suite bathroom, vaulted ceilings, a skylight, and direct access to your backyard through a brand-new slider. Additional highlights include a modern fireplace in the living room, beautifully updated bathrooms, and an unbeatable floor plan that maximizes comfort and convenience. Located less than 10 miles to the beach, under 1.5 miles to Highway 78, and surrounded by fantastic schools, shopping, dining, and entertainment, this property is perfectly situated for an unparalleled lifestyle. Best of all, no HOA and no Mello-Roos mean you can enjoy everything this home offers without compromise. Whether you're looking for a starter home, a forever home, or the ultimate vacation-like retreat, this property delivers. Don’t miss the chance to make this your dream come true—schedule your private showing today!
Source: CRMLS #SW25215807
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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.