939 Oyster Pointe Dr Sunset Beach, NC 28468
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About this home
Live where every day feels like vacation! This custom, all brick home in Oyster Pointe at Sea Trail Plantation blends timeless craftsmanship with smart, move in ready updates that make this ideal for anyone who values comfort, convenience, community amenities, golf access, and close proximity to Sunset Beach. Luxury vinyl floors lead from the foyer through the formal dining room, into an open living area and cover most of the home. A two way fireplace connects the living room to the family room which is wrapped in windows and a door that leads to the patio. The heart of the home is a bright white kitchen designed for everyday ease and entertaining with granite countertops, abundant cabinetry, and stainless appliances including a gas stove. A breakfast bar and sunny breakfast area offer casual dining options, while a pantry keeps everything organized. Adjacent to the kitchen, a spacious Carolina Room features full windows and a dedicated mini split system with heat and air, creating a comfortable four season flex space for morning coffee or evening relaxation. The split floor plan gives the primary suite its own wing with porch access, double vanities, soaking tub, oversized walk in shower, and a walk in closet. Storage that truly sets it apart, the oversized garage includes a utility sink, extra depth for shelving, and fixed stairs leading to an expansive, easily accessible attic, ideal for storage. Big ticket items are already done: new roof in Oct 2025, new HVAC in 2023, water heater replaced in 2025, plus a water softener/filtration system added in 2022 and a hot tub for effortless unwinding. Sea Trail owners enjoy private beach parking on Sunset Beach, three golf courses with a driving range, two resident clubhouses, pools, fitness, tennis/pickleball, library, walking/biking paths, and a community garden. Minutes to the Sunset Beach bridge, fresh seafood, and everyday conveniences—this is the low maintenance, amenity rich coastal life you've been waiting for.
Source: NORTHCAROLINAREGIONAL #100539757
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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.