195 Horizon Hl, Alpharetta, GA 30004
7 beds · 5 baths · 5,536 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Rarely are homes on the market in this sought-after Woodwinds at New Providence. Seize this unique opportunity! Tucked away at the end of a quiet cul-de-sac on a sprawling one-acre, flat lot, this property presents a stunning home and a private, just under 200-foot-long driveway. Zoned for award-winning Milton schools Summit Hill Elementary, Northwestern Middle, and Milton High- this home offers the perfect blend of luxury, space, and location. Just minutes from top-tier shopping, dining, and entertainment in Downtown Milton/ Crabapple, Alpharetta Square, Avalon, and Halcyon. The owner has thoughtfully finished the walkout terrace level, adding incredible living space including two additional bedrooms (which now makes 7 bedrooms) a media room, dining area, and a kitchenette that features a Cosmo 4-burner oven/convection oven, microwave above, and Newair beverage cooler. A charming wine-tasting nook just off the media room completes the perfect entertaining space. The terrace level walkout has 9 ft ceilings, German-engineered floors and maple ceilings. There is also a W/D hookup located in the utility closet for a stackable and huge storage room.The main level welcomes you with a dedicated home office and a formal dining room that flows seamlessly into the open-concept living area and keeping room, both with fireplaces for cozy gatherings and entertainment. The guest suite on this level provides added convenience and comfort for visitors. Step out onto the rear deck to enjoy serene views, grill and take in the sounds of nature. Enter into a chef's dream kitchen that masterfully blends elegance and functionality. Featuring stunning solid white 18" cabinetry paired with extended 42" uppers, there's no shortage of stylish storage, plus a walk-in pantry. A gorgeous offset white beveled subway tile backsplash adds a touch of modern charm, while the show-stopping oversized island-with its white apron-front farmhouse sink and generous seating-serves as the heart of the home. The upgraded KitchenAid appliance package includes a combination wall oven with a lower convection oven, a second wall oven, a sleek dishwasher, and a 5-burner gas cooktop complete with griddle and pot filler- everything you need to cook like a pro. This exceptional culinary space flows seamlessly into· the open-concept living areas, making it perfect for entertaining. Whether guests are gathered by the cozy fireplace in the keeping room or relaxing in the inviting living room, everyone stays connected in this warm and welcoming layout. Upstairs, the spacious owner's suite is a true sanctuary featuring a double vanity, soaking tub, separate shower, and a divided walk-in closet. Three additional bedrooms, a bonus room (perfect for a second entertainment area, game room, or 2nd office), and a laundry room with sink complete the upper level. Additional highlights include a two-car attached garage with interior access and an extended carriage one-car garage. This home is brick on 3 sides, YKK insulated vinyl windows in the home and known for energy efficiency and longevity. Luxury, Low HOA dues. Location, location, location. Don't miss this rare chance to own a move-in-ready luxury home in one of Milton's most desirable communities! Photo 73 is a rendering only there is no pool or pool permit.
Source: FMLS #7557639
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 #7557639
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.