6 Trailside Dr Lake Saint Louis, MO 63367
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About this home
Back on market after buyers’ home sale contingency fell through—your second chance at this rare St. Charles County property. Set on 1.58 acres in unincorporated St. Charles County, this 4-bedroom, 3.5-bath home offers over 3,000 sq ft of finished living space, dual primary suites, and versatile options for generational or multigenerational living. The main level spans 2,048 sq ft with a functional kitchen featuring granite counters and newer appliances, an open dining area, and a large primary suite addition completed in 2005. The original main-level suite provides a second ensuite bedroom—ideal for guests, in-laws, or extended stays. The finished walkout lower level adds nearly 1,000 sq ft with a rec room, decorative fireplace, office, and full bath—ideal for entertaining, remote work, or separate living space. Outdoor amenities include an inground Gunite pool, pool house with half bath and fridge, fenced yard, and an expansive deck overlooking mature trees and open skies—perfect for outdoor gatherings. The oversized 3-car garage (added 2011) provides space for vehicles, storage, or hobbies. Major updates include a newer roof and driveway (2020), replacement windows, and more! Seller is motivated and priced with room for updates—bring your vision and enjoy poolside living by next summer!
Source: MARIS #25045888
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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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