153 Lucca Dr, Summerville, SC 29486
3 beds · 3 baths · 2,492 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this stunning and move-in ready 3-bedroom, 2.5-bath home located in the highly sought-after Woodwinds section of Cane Bay Plantation. The versatile front study comes with a custom Murphy bed and built-in shelving, making this space perfect for guests while still serving as a functional home office. Bursting with upgrades and thoughtful design, this home offers stylish living spaces, natural light throughout, and unique features that set it apart. From the moment you walk in, you're greeted by a custom accent wall.The open-concept main living area is designed with comfort and flow in mind. The oversized living room transitions seamlessly into a massive dining space that easily fits a farmhouse table, highlighted by a charming board-and-batten accent wall. Just off the dining area, sliding glass doors lead to the screened-in patio perfect for relaxing or watching kids and pets play in the fenced backyard. The kitchen is a true showstopper with gorgeous granite countertops, a stylish tile backsplash, a gas range, large pantry, and an oversized island ideal for entertaining. A thoughtfully designed drop zone near the garage helps keep the home organized and clutter-free. The garage itself is an entertainer's dream, complete with a massive bar that can convey with the home, creating the ultimate hangout spot. Under the stairs, a clever bonus space currently used as a dog run offers additional flexibility for storage or play. Upstairs, a spacious loft provides the perfect space for a media room, man cave, or kids' play area. The large primary suite features multiple windows for abundant natural light, and the upgraded en-suite bath includes a tiled walk-in shower, dual vanities with cultured marble countertops, and a huge walk-in closet. Down the hall, two more generously sized bedrooms share a beautiful full bath with tile floors and a dual vanity. The laundry room is also conveniently located on the second floor. Step outside to find a custom patio with built-in posts ready for swings, ideal for outdoor entertaining. The screened-in porch offers a cozy spot to unwind, enjoy the breeze, and take in views of the spacious backyard. And just a short stroll from the home, you'll find one of Cane Bay's largest neighborhood playgrounds and a beautiful community pool making it easy to enjoy Lowcountry living at its best. This home is nestled in one of Cane Bay's most desirable neighborhoods, close to walking trails, shopping, dining, and top-rated schools. With its combination of style, upgrades, and unbeatable location, this is the one you've been waiting for. Don't miss your chance to call it home!
Source: CTAR #25010015
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: CTAR #25010015
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.