1198 Baguette Dr, Castle Rock, CO 80108
4 beds · 4 baths · 3,750 sqft
BRAND NEW PRICE & $10K SELLER CONCESSION! Step inside & be captivated, elegant laminate flooring, vaulted ceilings & modern design elements create an inviting atmosphere. The foyer provides easy access to the formal sitting room, formal dining room & a glimpse of the exquisite backyard. The main level is highlighted by a luxurious eat-in kitchen. Showcasing beautiful quartz countertops, a large island, subway tile backsplash, upgraded sink & faucet, state-of-the-art appliances (including a new double oven/air fryer) & stylish light fixtures. The kitchen seamlessly flows into the spacious living room, which features a double-sided fireplace shared w/the main floor office/bedroom. Completing the main level are a remodeled powder bath & mudroom equipped w/smart washer/dryer & an additional refrigerator. Before heading upstairs, don’t miss the backyard retreat. This private oasis features low-maintenance landscaping w/large trees, boulders, a gazebo on a platform deck & large patio w/basketball hoop. It’s the perfect setting for entertaining, enjoying a morning coffee or unwinding with an evening glass of wine. Upstairs, you’ll find expansive bedrooms & open loft area. The primary suite offers a sitting area w/fireplace, a luxurious 5-piece ensuite & walk-through closet. The two additional bedrooms have large walk-in closets & share a walk-through bathroom. Need more space? The 1,800 sq. ft. unfinished basement provides room for expansion and is equipped w/breaker box & fully insulated for future development. Comfort is ensured year-round w/smart thermostats & dual AC units (replaced in 2021). Brand new roof installed in 2024 equipped w/a massive 34 panel solar system (largest allowed in residential) that generates enough power to cover monthly usage & provide bill credit to lower expenses or whole home battery back-up for added peace of mind. Perfect for EV's or garage workshop. Additionally, it features a 2.625% assumable rate (listing agent has details).
Source: RECO #9413967
Interest rate and monthly payment estimated based on public records.
Source: RECO #9413967
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: #9413967
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