10 S Porcenna Ln, Clayton, NC 27527
4 beds · 3 baths · 2,859 sqft
Immaculate one owner home tucked into the Vistas at Tuscany features many upgrades and is an entertainers dream with amazing outdoor spaces and a great view. You are welcomed into the home through a wide front porch and enter a large foyer and immediately notice the open floor plan. On your left is the dining room with tray ceiling. Through the dining room is the butler panty and a walk-in pantry. The great kitchen features a large island and lots of counter space and cabinet storage. It is open to the family room which is highlighted by a gas fire place. Pass through the French doors from the breakfast room into the screened porch, On your right is the covered porch that spans the width of the home. Back in the home, tour the first floor guest or in-law suite featuring a full bathroom. Crown molding throughout the first floor. Upstairs awaits the large primary bedroom with a magnificent ensuite featuring a double vanity, soaking tub, tiled walk-in shower, water closet and large walk-in with custom wood shelving. The large loft could be converted to a 5th bedroom if needed. Tucked into a corner is a built-in desk and cabinets for work or play. The golden child bedroom features direct access to the full bathroom and a walk-in closet. The fourth bedroom is spacious and currently serves as an office. You'll love the large laundry room with lots of storage. Washer and dryer convey. The attic features a large storage area and a radiant barrier built into the roof decking, Back outdoors, you'll love the custom concrete landscape curbing. Awaiting you in the backyard up the hill is a large patio with a stacked stone fire pit featuring the best views in Clayton. Community open space separates the property from the home behind it, More than half of the garage is 26 feet deep to accommodate storage, a workshop or a long vehicle. A parking pad was added so the driveway can fit three cars side-by-side. You'll love the beautiful landscaping surrounding the home. The sellers extended the grass up the hill and added landscaping. Invisible fence in the front and back yards. The community features a large pool, clubhouse and playground. Less than two miles to the Marketplace at Flowers Crossroads featuring a Publix with Harris Teeter across the street. The Waterfront District at Flowers Planation is planned for that same area and will feature dining, retail and entertainment. Schools options include Thales Academy and the newly opened Thanksgiving Elementary School. Be part of the fastest growing area of Clayton and enjoy all that it has to offer.
Source: TRIANGLEMLS #10064179
Interest rate and monthly payment estimated based on public records.
Source: TRIANGLEMLS #10064179
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #10064179
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.