7679 Cross Creek Dr Columbia, MD 21044
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About this home
Welcome to 7679 Cross Creek Drive—an extraordinary Craftsman-style home tucked away on a private cul-de-sac in Columbia’s highly sought-after Cedar Creek community. Built in 2022, this spacious and impeccably upgraded residence offers a total of 5,488 finished square feet, including 4,068 sq ft above grade and an additional 1,420 sq ft of beautifully finished living space below grade. The main level is thoughtfully designed for both everyday comfort and impressive entertaining. It features a private office with custom built-ins, perfect for storage, display, and working from home. A main-level bedroom with a full bath provides flexibility for guests or multigenerational living. The inviting family room with a gas fireplace flows effortlessly into the heart of the home—the gourmet kitchen, which showcases quartz countertops, soft-close cabinetry, stainless steel appliances, a custom-shelved walk-in pantry, and a large center island that opens to a spacious dining area. Upstairs, you’ll find four generously sized bedrooms, each with walk-in closets. The owner’s suite is a private retreat featuring two massive custom California closets and a luxurious spa bath with a standalone soaking tub, dual vanities, and a walk-in shower with dual shower heads. Two of the secondary bedrooms share a stylish Jack and Jill bathroom, while the fourth bedroom enjoys its own en-suite bath—perfect for guests or older children. The finished upper-level laundry room adds extra convenience with built-in cabinetry and ample folding space. The fully finished lower level provides exceptional flexibility and includes a recreation room, private gym, spacious bedroom, full bathroom, and a stunning custom bar area—ideal for entertaining or creating the ultimate hangout space. Step outside to an outdoor oasis that backs to a private nature preserve, offering serene views and a sense of seclusion. Enjoy the outdoors from the screened-in, covered porch with its own fireplace, which opens to an uncovered deck with stairs leading down to the backyard retreat—a perfect space for relaxing or entertaining amid the beauty of the surrounding landscape. Not your average garage - this fully finished two car space stuns with showroom-worthy epoxy floors, sleek built-in storage cabinets, and a Level 2 electric vehicle charger for the ultimate in style and function. Located in a thoughtfully designed community featuring open green space for play and gatherings, playgrounds, and scenic walking trails, this home truly offers the best of lifestyle, comfort, and community. Don’t miss this rare opportunity to own one of Cedar Creek’s most upgraded and expansive homes—schedule your private showing today! Rental Opportunity Available :)
Source: BRIGHT #MDHW2052952
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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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