103 River Ct, Wilmington, NC 28412
4 beds · 4 baths · sqft
A GORGEOUS CHARLESTON INSPIRED HOME WITH OVER 3900 SQ FT AND TWO ENSUITES. BEAUTIFUL & PRESTIGIOUS NEIGHBORHOOD ALONG THE CAPE FEAR RIVER! PRIVATE BOAT SLIP INCLUDED! This gorgeous home, honoring the low country's timeless architecture, is perfectly surrounded with large palm trees and lush mature landscaping. Tucked away on a cul-de-sac in the quaint neighborhood of East Bank Landing in Wilmington, NC, you will be mesmerized by the storybook setting. As you drive into this neighborhood and follow the winding roads along the Cape Fear River, you will pass the private marina which holds your very own assigned boat slip. It's time to make the rich legacy of 103 River Court, Wilmington NC your home. As you make your way up the long driveway, you will know that you have arrived at luxury. Follow your walkway which is guarded by swaying palms and the scent of fresh magnolias onto your expansive covered front porch that provides ample seating for you and your guests to enjoy morning coffee, afternoon tea or evening cocktails. You will be reminded of the low country homes that perfectly blend state-of-the-art architecture and classic coastal design. Once inside, you will be greeted by a large and open foyer that invites you in to take a seat in your gorgeous living room, sitting room, or your grand dining room. You will also appreciate the open-living concept that this home offers you as the large living area flows easily into the gourmet chef's kitchen with custom tile, stainless appliances and breakfast area. Your new living room also gifts you with a built-in office with custom cabinetry, anchored by the beautiful stone fireplace and coffered ceiling. Your open living space is surrounded with large windows that frame the stunning landscape like artwork. The sprawling primary floor also boasts Brazilian cherry hardwood floors, the primary suite with spa bathroom, separate primary closets, half bath, butler's pantry and laundry room. The entire primary floor opens to your covered front porch or to your large open back deck. As you make your way upstairs, you will find another ensuite, 2 additional large bedrooms and a media room that could also serve as a sewing room, gym, playroom, 2nd office, or meditation space. The possibilities are endless. There is also an abundance of storage upstairs for linens, holiday decor, seasonal clothing and so much more! Follow the stairs of the back deck down to the fenced in yard with outdoor shower and to the first level of your home. The first level provides room for 3 vehicles and provides more ample storage. The ground level foyer has a vent and is heated and cooled. This area is including in the overall sq footage (see floorpan). The wooded grounds make this home the perfect spot to entertain your guests with oyster roasts, game-day cookouts, bonfires and so much more! The backdrop to your dream home that highlights your showstopper has been well manicured and meticulously maintained. Begin living your coastal dream! Your new neighbors are ready to greet you with warm sunsets on the river as you enjoy East Bank Landing "docktails" on the neighborhood's riverfront gazebo. With close proximity to Carolina Beach and downtown Wilmington, there will be nothing else for your heart to desire. Exhale! You have worked hard to get here and now it is time to enjoy life. LOVE where you LIVE in this prestigious yet private community embodying low country living, timeless architecture and a sense of connection and beauty! Welcome Home! Other important details include the following: Two 220 outlets for level two chargers in garage, the interior of the home was repainted and hardwood floors refinished in 2017, exterior completely repainted in 2021, new roof in 2024, HVAC units replaced in 2015 & 2019, two hot water tanks replaced in 2019, new carpet in 2016, new rear doors in 2018, new front steps in 2021, new rear deck boards in 2021, primary suite renovated in 2024, all remaining bathrooms renovated in 2019, new gas logs installed in 2018, constant lawn manicures to protect and enhance the lush and mature landscaping with full irrigation that is connected to a separate and private well, defined natural areas for pets, and fire pit. Hurry! This one will not last! This is you!
Source: NORTHCAROLINAREGIONAL #100474928
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100474928
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: #100474928
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