824 Dillsboro Rd Sylva, NC 28779
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About this home
Welcome to 824 Dillsboro Rd, a beautiful 2019 farmhouse-style home that offers the perfect combination of comfort, charm, and convenience. This spacious 4-bedroom, 2.5-bath property is move-in ready and designed to suit a variety of lifestyles. Inside, the open-concept floor plan is ideal for modern living, with the kitchen, dining, and living areas flowing seamlessly together. The primary suite provides a private retreat with ample space, while bedrooms two and three are connected by a convenient Jack & Jill bathroom, making it perfect for family living. A fourth bedroom adds flexibility for guests, a home office, or hobbies. Set on two adjoining parcels totaling approximately 5 acres, this property offers both privacy and opportunity: • PIN 7631-78-1110 (3.55 acres): Unrestricted land with space to expand, garden, or enjoy outdoor living. • PIN 7631-78-4116 (1.45 acres): Inside Sylva city limits, offering additional flexibility and long-term value. The outdoor spaces shine. A 14×16 deck is perfect for entertaining or relaxing, while the fenced yard provides a safe area for pets or play. Terraced gardens add charm and potential for landscaping or small-scale gardening. A detached garage/workshop with full power is ideal for parking, storage, or projects. Nature lovers will appreciate the creekside area along Scotts Creek—a private hideaway for quiet reflection or gatherings. One of the most unique features is location: this property is walking distance to downtown Sylva yet feels like a secluded retreat, offering the rare combination of in-town convenience with complete privacy. Additional features include city water, private septic, and a reliable heat pump for year-round comfort. Easy access to Waynesville, Franklin, Cherokee, and Bryson City makes this property central to all that Western North Carolina has to offer. Whether you’re looking for a comfortable family home, a private retreat, or a property with room to grow, 824 Dillsboro Rd is a rare find that checks every box.
Source: CANOPYMLS #4304978
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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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