5616 Neosho St Saint Louis, MO 63109
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About this home
Welcome to a beautifully updated 1933 brick bungalow in the heart of St. Louis’ sought-after Southampton neighborhood. This three-bedroom, two-bath home blends timeless architectural charm with modern upgrades, offering both character and comfort in one of the city’s most desirable communities. Original stained-glass windows and gleaming hardwood floors highlight its historic roots, while thoughtful improvements bring style and convenience to everyday living. Enjoy year-round comfort with central air conditioning, including a new A/C unit recently installed for energy-efficient climate control. The renovated kitchen features quartz countertops, a classic subway tile backsplash, and generous cabinetry—perfect for both daily use and entertaining. The spacious primary bedroom offers refined detailing and a walk-in closet, creating a peaceful personal retreat. With two bedrooms on the main level and one upstairs, the flexible layout adapts to your needs—whether for guests, family, or a dedicated home office. Abundant natural light fills the home, creating a warm, inviting atmosphere throughout. A spiral staircase leads to a private rooftop terrace with a sunscreen canopy—ideal for morning coffee, sunset views, or evening gatherings. Out back, a pergola-covered deck overlooks a charming yard, offering even more space for outdoor living and entertaining. For a truly unique touch, the home features a speakeasy-themed basement with two separate entrances—one cleverly concealed behind a Murphy door, and the other accessible from outside. Whether you’re hosting or relaxing, this space adds unforgettable character and a nod to the 1930s. An oversized two-car garage offers ample storage, with soaring 13-foot ceilings—perfect for car lifts or anyone in need of additional vertical space. Located in the vibrant Southampton neighborhood, known for its walkability, local shops, and community charm, this home offers a rare combination of history, comfort, and distinctive living spaces. Includes a Choice Home Warranty valid through 03/23/2027. All information deemed reliable but not guaranteed. Buyer or Buyer’s Agent to verify all details.
Source: MARIS #25061899
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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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