4400 Shoreline Dr Norman, OK 73026
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About this home
Welcome to your dream retreat on 2.42 acres—built in 2003.This stunning four-bedroom, two-and-a-half-bath property offers the perfect blend of comfort, charm, and upgrades throughout. Featuring a thoughtfully designed split floor plan, the spacious primary suite is privately tucked away on one side and includes a luxurious ensuite where the master closet doubles as a safe room. There’s also a dedicated study with custom built-ins, and a bonus room upstairs that could easily serve as a fifth bedroom, playroom, or media space. New paint and updated baseboards were completed in 2025 in the primary bedroom and common areas, along with refinished bathroom cabinets for a fresh, modern touch. In 2024, all bathroom granite countertops were replaced, and the roof was fully replaced in June. The smaller HVAC unit upstairs was replaced in 2024, while the larger unit was replaced in 2021—offering peace of mind and efficiency. You’ll love the eat-in kitchen, complete with two pantries and plenty of storage throughout the home. But the real magic is outside. Enjoy quiet mornings or evening sunsets from the large covered front porch overlooking the serene lake across the road. The herb garden is bursting with basil, sage, thyme, tomatoes, and rosemary. The backyard oasis features a huge koi pond with a gorgeous fountain and a unique old truck water feature. Relax or entertain under the pavilion, added in 2018, complete with a patio and fire pit—ideal for s’mores, hot dogs, or simply enjoying the peaceful sounds of water and nature. Need space for hobbies or extra storage? The 24x30 Morton building with electrical has you covered. This home offers the perfect balance of peaceful country living and modern updates—don’t miss the chance to make it yours. Put this one on your tour list today!
Source: MLSOK #1184908
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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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