1455 Rucker Cir, Woodstock, GA 30188
5 beds · 5 baths · 4,046 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Private Modern Farmhouse Retreat on 3.5 Acres - Gated Luxury Living with Outdoor Wellness Sanctuary Minutes from Milton. A rare offering for those seeking privacy, sophistication, and wellness-focused living in one of Cherokee County's most exclusive locations. Perfectly positioned on a quiet, idyllic road just minutes from Milton and Alpharetta, this custom-designed modern farmhouse sits on a fully fenced, gated 3.5-acre estate and offers effortless luxury with no HOA restrictions. Inside, 12-foot ceilings flood the main level with natural light, creating an airy sense of space. But it's the extraordinary outdoor living experience that sets this property apart. Resort-Caliber Outdoor Living: The backyard is a private wellness retreat designed to rival any high-end spa. Unwind in your Finnleo NorthStar Outdoor Sauna, a traditional Finnish-style sauna built for authentic, high-heat rejuvenation in any season. Follow it with a session in the Odin cold plunge or a soak in the Hot Springs spa, all surrounded by extensive decking, elevated seating areas, and lush landscaping. Entertain effortlessly with a custom outdoor kitchen, complete with a premium pizza oven, Infratech ceiling heaters, and motorized retractable screens on the covered rear porch. A Cowboy Cauldron creates the perfect centerpiece for cookouts and gatherings, while a raised bed garden with irrigation invites a farm-to-table lifestyle. The gated entry, new circular driveway, retaining wall, and extensive tree removal create a park-like setting that blends privacy, beauty, and function. Thoughtful Design, Turnkey Living: The open-concept floor plan is as practical as it is beautiful. The gourmet kitchen features a massive center island, 48" dual fuel range, 60" refrigerator/freezer, and flows seamlessly into the family and dining rooms with beamed ceilings, a linear fireplace, and custom built-ins. A tucked-away home office/command center keeps life organized. The primary suite on main is a true retreat, complete with a zero-entry shower, luxury finishes, and oversized custom closet. A main-level guest suite offers privacy and convenience for visitors. Upstairs, discover a huge bonus room, three large bedrooms, two full baths, and a wet bar-ideal for guests, teens, or media space. Move-In Ready with $350K+ in Upgrades: Since purchasing new, the homeowners have made significant investments-over $350,000-in meaningful enhancements including fencing, landscaping, hardscaping, and state-of-the-art outdoor amenities. Every detail has been thoughtfully curated and meticulously maintained. This is more than a home-it's a lifestyle. A retreat. A one-of-a-kind opportunity to own the best of rural luxury with city convenience just minutes away.
Source: FMLS #7563113
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7563113
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.
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.
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.
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 620, 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 and Equal Opportunity Act.