4957 Bar Neck Rd Tilghman, MD 21671
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About this home
Secure and Secluded Luxury Living with Bay Views & Resort-Style Backyard Property is located in FEMA Zone X, has never had water on the property and seller is not required to have flood insurance Tucked away at the end of a private Crepe Myrtle-lined drive, this well-maintained luxury retreat offers the perfect blend of tranquility, style, and function—without the constraints of an HOA. Thoughtfully landscaped grounds and mature privacy trees create a serene front yard oasis, complete with Crepe Myrtles and a welcoming covered porch ideal for morning coffee and peaceful nature views. Step inside from either the elegant front foyer or the convenient secondary entrance into the mudroom/laundry area, complete with utility sink, storage, and access to a full bathroom. The home's interior opens up beautifully, beginning with a light-filled parlor featuring built-in shelving, flowing seamlessly into a spacious family room with a fireplace and sliding glass doors that overlook the backyard. The wood burning fireplace has a stack - that stairs wrap around - to second floor, providing full home heating. Designed for connection and comfort, the open-concept kitchen boasts granite countertops, light wood cabinetry, stainless steel appliances, and a breakfast bar with clear sightlines to the backyard and pool. Entertain effortlessly with direct access from the kitchen to the shaded deck and expansive patio—perfect for summer pool parties or cozy evening gatherings. Formal dining space offers bright, natural light and a view of the front yard. The home’s three bedrooms, including a generously sized owner's suite, are positioned for both privacy and comfort. The owner’s retreat includes a walk in closet with shelving, a linen closet, and an en-suite bath featuring a jetted, extra deep, long tub and double vanity. The ten foot hallway from the owner's suite to additional room with plenty of storage. An additional room currently serves as both an office and bedroom, offering flexible space for remote work or guests. Outside, enjoy your own private haven: a large open backyard with multiple seating areas, a sparkling inground pool, and views of Black Walnut Creek and glimpses of the Chesapeake Bay. The attached and detached garages provide ample space for vehicles, hobbies, or storage. The home's crawlspace is completely concreted in. This sweet retreat is kept safe and secure with two burglar alarms, fire and carbon monoxide detectors, and custom exterior CCTV (camera) system. This property is more than a home—it’s a retreat. Peaceful, private, and perfect for entertaining.
Source: BRIGHT #MDTA2011456
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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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