12695 Amberleigh Ln, La Plata, MD 20646
4 beds · 3 baths · 2,992 sqft
Need More Space & Privacy? This 3-Acre Retreat Is Perfect for You! Welcome to 12695 Amberleigh Lane, a 4-bedroom, 3-bathroom colonial home offering the privacy, space, and tranquility you've been searching for. Situated on a premium 3-acre tree-lined lot in the sought-after Amberleigh Farms neighborhood, this property is the perfect escape from the hustle and bustle of city life. Inside, you'll find over 3,000 square feet of well-designed living space, featuring an open-concept layout that allows for effortless flow between the country kitchen, cozy living areas, and elegant dining space. The kitchen is fully equipped with stunning appliances, upgraded countertops, and abundant cabinetry, making meal prep a breeze. A spacious family room with a fireplace serves as the ideal gathering spot for relaxing evenings or entertaining guests. A lower level premium suite provides the ultimate flexibility ideal for multi-generational living or ensuring overnight guests feel at home. With energy-efficient appliances, a large-capacity hot water heater, and dual heating options (furnace and fireplace), this home is designed for comfort and cost savings year-round. The oversized side-load garage and extended driveway ensure plenty of parking for multiple vehicles, boats, or RVs. Outside, mature trees surround the property, creating a secluded oasis, while the deck and patio offer ample space for outdoor entertaining. Expansive hardscaping, patios & porches for enjoying the fresh air. Two sheds (24x12 & 14x12) for extra storage or a workshop. Energy-efficient windows & insulated doors . Nestled on a serene 3-acre, tree-lined property. Central A/C & heat pump for year-round efficiency. Electric appliances & 200+ amp service. Well water & septic system. Perfect for raising chickens and enjoying fresh eggs right from your backyard Ultimate Privacy – No HOA & Room to Spread Out! Enjoy the benefits of La Plata living without the town tax! This home is zoned for top-rated La Plata schools and is conveniently located near shopping, dining, parks, and recreation. Whether you're looking to explore White Plains Regional Golf Course, hit the ice at Capital Clubhouse, visit local wineries, or catch a Blue Crabs minor league baseball game, everything you need is just minutes away. Escape the Crowds, But Stay Connected Need to commute? This home offers easy access to MD-5, I-495, Washington, D.C., Northern Virginia, and major military bases (Joint Base Andrews, Pentagon, Bolling), allowing you to stay connected while enjoying the peace and quiet of country living. 100% Financing Available – Make This Your Forever Home! Eligible for RDA/USDA 100% financing, this home makes owning a private retreat more accessible than ever. If you’re craving more space, more privacy, and a better quality of life, this is your chance!
Source: BRIGHT #MDCH2040950
Financials
Source: BRIGHT #MDCH2040950
Source: Public records
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%. 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.
Other resourcesWhat 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.