639 Settlers Ln Bandera, TX 78003
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About this home
Hill Country Perfection in Bandera River Ranch, Discover the epitome of Texas Hill Country living in this meticulously maintained home nestled within the prestigious Bandera River Ranch community. 4 Bedrooms, 2 Full Baths | 0.49 Acre Built in 2010 by renowned Regal Construction, this 2,316-square-foot residence sits gracefully on a half-acre corner lot and redefines low-maintenance luxury living. Zero Lawn Care, Maximum Living Imagine never mowing again! The professionally xeriscaped grounds showcase stunning crushed granite pathways, decorative river rock, and impressive boulders, all thoughtfully arranged among drought- and deer-resistant plants, a striking variety of cacti, and majestic mature oak trees. This isn't just landscaping-it's an artfully designed outdoor sanctuary that practically cares for itself, giving you more time to enjoy what truly matters. Outdoor Paradise Spend your evenings where memories are made: entertaining guests on the fabulous covered patio with its charming gazebo, or gathering family and friends around the cozy in-ground fire pit as the Hill Country sun sets. The outdoor living spaces are nothing short of spectacular, designed for the Texas lifestyle you've been dreaming of. Interior Excellence Step inside to discover a thoughtfully designed floor plan that combines elegance with everyday functionality. The spacious great room captivates with soaring vaulted ceilings and an inviting corner wood-burning fireplace-perfect for those crisp Hill Country evenings. The gourmet kitchen is a chef's delight, featuring pristine granite countertops, a convenient center island, a breakfast bar for casual dining, and an impressively large walk-in pantry that will transform your meal preparation experience. The intelligent split floor plan ensures optimal privacy, separating the luxurious primary suite from the two additional bedrooms. The primary bath is a true retreat, complete with a separate soaking tub and shower, an elegant double vanity, and an expansive walk-in closet. The dedicated office space provides the perfect setting for remote work or quiet study, while the formal dining room and breakfast area offer flexibility for every occasion. Premium Features & Amenities Quality is evident in every detail, from the ceiling fans throughout to the custom cabinetry and included appliances. The convenient side-entry two-car garage keeps your vehicles protected from the elements. But the property's true treasure lies in the backyard compound: two additional buildings ideal for storage, workshop projects, or creative pursuits, plus a dedicated greenhouse for gardening enthusiasts. The updated 50-AMP RV service with septic access makes hosting visiting friends and family a breeze, while privacy fencing ensures your personal oasis remains just that-private. Resort-Style Community Living, Bandera River Ranch isn't just a neighborhood-it's a lifestyle. This stunning 800-acre Hill Country community of approximately 350 custom homes offers resort-caliber amenities that rival any vacation destination. Enjoy lazy afternoons at the sparkling community swimming pool and gazebo, challenge neighbors to tennis or basketball at Overview Park, let the kids play at the well-equipped playground with nearby grills and picnic tables, or reserve the large covered pavilion with its outdoor kitchen and grill for your special celebrations. The crown jewel of the community is the breathtaking 24-acre River Park along the pristine Medina River. Three dedicated camping sites with newly renovated tables and grills invite you to experience overnight adventures right on the riverbank-it's like having a private Hill Country resort in your backyard. Two convenient mail centers on River Ranch Drive and Settlers Lane serve as natural community gathering spots, fostering the friendly, connected atmosphere that makes this neighborhood truly special.Unbeatable LocationPositioned perfectly approximately 4 miles south of histori
Source: SABOR #1918303
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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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