1 of 57

100 Lands Ct NE

Milledgeville, GA 31061

3 beds · - baths · -- sqft

$575,000

$1,947/mo at 3.92% with Roam

$2,429/mo at 7% with a bank loan

Get prequalified

About this home

BEAUTIFUL Lake Sinclair Home on a deeded lot with GREAT water depth, GREAT views and GREAT lot! This home sits on a large, 1.29 acre lot that is super level, has a two car garage with a workshop and attic access. The home has 3 bedrooms, 3 bathrooms - 2 beds, 2 baths on the main (including the master ensuite). The kitchen, dining area and living area have vaulted ceilings, huge windows overlooking the lake and is an open concept, perfect for entertaining. A large sunroom is on the lakeside overlooking the water - this has an abundance of windows, vaulted ceilings with tongue and groove wood and plenty of space for lounging around after a day on the lake! The main bedroom is oversize with a HUGE closet and HUGE bathroom. Upstairs, there is a bedroom and bathroom and landing/loft that would be perfect for an office or extra sleeping room. Outside, there is a double stall boathouse, a sandy beach area, and 7-8 feet of water at the end of the dock. THIS IS IT! The perfect house, 15 minutes from downtown Milledgeville and at a great price. Call today and let's get you SOLD on Sinclair!

-- sqft
1.29 acres
Single Family
Built in 1997

Source: GAMLS #10410367

5-year savings

Compared to a conventional mortgage
Roam
Bank
Principal & interest
$1,415
$1,897
Property taxes
-
-
Mortgage insurance
-
-
Home insurance
-
-
HOA fees
-
-
Monthly total
$1,947
$2,429
5-year total
$116,870
$145,767
Neighborhood
Use two fingers to move the map
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.

View all FAQs
Last updated: Apr 14, 2025 07:59 pm
Listing agent: Nick Montgomery (706) 816-0841
Listing provided courtesy of: Keller Williams Lake Oconee (706) 485-0088
Details provided by GAMLS and may not match the public record.
MLS ID: #10410367
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of GAMLS. All real estate listings are marked with the GAMLS Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision. Copyright © 2025 GAMLS. All rights reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.