758 Peach Valley Ln Unit 383 Fort Mill, SC 29715
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About this home
Wow! Make tracks to see this Beautiful, Open, One-Of-A-Kind home in a Cul De Sac with a peaceful, quiet Waterfront view (with no neighbors behind you or on one side!)- plus the Dog Park is one street away! You will be lucky to be in the front and in the heart of the community, just a very short walk to all of the Amenities of The Grove at Carolina Orchards. This home is LOADED with almost every conceivable option (during and after building- see all of the details in the attachments), including an Upgraded Kitchen and Upgraded Baths, a 50 Gallon Gas Water Heater, a Recirculating hot water Watts sytem for instantaneous hot water at the kitchen sink at all times, HVAC maintenance checks 2 x a year with Upgraded Systems, a transferable Termite Bond and so much more! You'll fall in love with this pristine, open and airy, split-bedroom home, with 2 full Bedrooms plus a Flex space / Library / Den- this home is "Move-In Ready" and is absolute perfection in every possible way! The Primary Bedroom has Custom Closet Built ins in the Walk In Closet and the Owner's Bath has 'Upgraded Everything', including a Shower Grab Bar. This lovely home was thoughtfully built and elegantly designed, with High-End LVP / Maintenance-free floors, a huge Center Kitchen Island with lots of space for cooking and entertaining, Upgraded, Staggered Cabinets and a Chimney Vent Hood, Upgraded Quartz Countertops, loads of Soft-Close Cabinets, a Gorgeous, Built In Counter Buffett Bar to the left of the Center Island that goes along the other side Kitchen wall, a huge, Walk-In Pantry, Stainless Steel Appliances, Upgraded Pendant Lighting and Specalized Cabinet Hardware. There's Upgraded Flooring and Lighting throughout, with Ceiling Fans in the Great Room, Bedrooms and Den. The owners truly thought of every, tiny detail- there's even a laundry 'work' sink in the garage! This home sports the largest Great Room ever built for this split-bedroom, 'Castle Rock' floorplan (the only one of its kind)! The spacious Great Room, large Dining Area and the Primary Bedroom all face a serene water view (the sellers love watching the ducks and wildlife in the morning over coffee- and the sunsets over the water are amazing here)! If you are looking for an easy-flowing floorplan with the best view in the neighborhood- here's your chance! This home has been meticulously maintained (see notes under the "Upgrades and Improvements" attachment)- and the sellers are a joy to work with and are Buyer and Agent friendly. I helped them build this home, with many inspections along the way, including a very detailed final inspection- no detail has been missed, and every thoughtful addition has already been added- so bring your buyers who expect only the very best! **VA Assumable Loan at the crazy rate of 2.25%- only for VA buyers who substitute eligibility** Please note that the sellers will remain home during showings, most likely in the front Den, as unobtrusive as possible (one seller has health issues that prevents them from leaving during most showings). Please do not let out Daisy, the cat- she'll probably be hiding during your showing. Please note that the HOA/Amenity fee is $318 per month in 2025, and goes to $321 per month in 2026, There is a Capital Contribution due at closing (12 x the monthly assessment, prorated by date of sale). Homeowners must be 55 and over to buy and reside in this community, and there is a 6 month rental restriction minimum here. The SC '65 and Over' Homestead Exemption is already in place for new buyers to take advantage of immediately if one is also 65 or over. Make sure to apply for that with the city when changing driver's licenses and showing proof of ownership with the change of address.
Source: CANOPYMLS #4307389
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.