1207 Seal Way, Seal Beach, CA 90740
6 beds · 4 baths · 2,108 sqft
Oceanfront Duplex on the Sand – 1207 Seal Way, Seal Beach Experience coastal living at its finest with this rare oceanfront duplex on the sand in Seal Beach. Wake up to breathtaking panoramic views of the Pacific Ocean, Catalina Island, and the iconic Seal Beach Pier. Spend your days watching sailboats drift by, enjoying stunning sunsets, and feeling the ocean breeze right from your doorstep. This unique property offers versatility and endless potential—whether you’re looking for an investment opportunity, a vacation getaway, or a primary residence with an income-producing unit. With direct beach access, you can start your mornings with a walk along the shore, take in an afternoon of surfing or paddleboarding, and end the day with a front-row seat to the breathtaking evening sky. Seal Beach is a hidden gem—a charming, small-town coastal community with a welcoming atmosphere. Everything you need is within walking distance, from quaint boutiques and coffee shops to delicious restaurants and lush parks. Main Street is lined with local favorites, offering a mix of casual dining and fine cuisine. Whether you're grabbing a morning coffee, meeting friends for brunch, or enjoying a sunset dinner, it’s all just a short stroll away. Beyond its immediate appeal, this location also offers exceptional connectivity. You’re just minutes from Long Beach, Sunset Beach, and Huntington Beach, each with its own unique vibe and attractions. Commuting is a breeze with quick access to the 405, 605, and 22 freeways, making trips to Los Angeles, Orange County, and nearby airports effortless. Opportunities to own a duplex directly on the sand in Seal Beach are incredibly rare. Whether you choose to live in one unit and rent the other, lease both for a lucrative income stream, or create a stunning multi-generational retreat, the possibilities are endless. Don’t miss your chance to own this beachfront treasure—where every day feels like a vacation!
Source: CRMLS #OC25054286
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: CRMLS #OC25054286
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.