228 Sandhill Ln, Jefferson, GA 30549
4 beds · 3 baths · 2,984 sqft sqft
Welcome to Your Dream Retreat in one of Georgia's Most Sought-After Communities! Nestled on a scenic hilltop, this stunning modern farmhouse-style home offers breathtaking water views over a serene pond and protected conservation area along the Middle Oconee River. Located in one of Georgia's safest, most vibrant communities, this residence perfectly blends Southern luxury and natural beauty with the modern comforts of home. Step inside to an open, airy floor plan designed for effortless entertaining and family living. The main level features a spacious great room that flows into a gourmet kitchen with a large work island, bar seating and an expansive walk-in pantry. The main floor also includes a generous bedroom with a full bath, offering versatile living arrangements. Upstairs, discover the luxurious primary suite, complete with a spa-inspired bathroom featuring a huge tile shower with frameless glass and dual shower heads, creating a tranquil retreat. Smart home features, including Ring security compatibility and a Kwikset Halo lock, add a layer of convenience and security to everyday life. With four bedrooms, three bathrooms, and two additional flex spaces, this home adapts to your needs, offering ample options for a formal dining room, media room, office, study space or remote work setup. The oversized third-car garage, driveway with room for multiple vehicles, custom storage solutions, and professional landscaping with a Rainbird irrigation system reflect a commitment to quality and ease. Outdoor living is a delight on the expansive covered back porch, featuring a cozy fireplace and TV hookupsCoperfect for movie nights or game-day gatherings. The home site is thoughtfully positioned on an elevated foundation with level areas surrounding the residence, ensuring excellent drainage and low maintenance. The backyard includes a fully fenced yard with a 10-year stain treatment and custom-built steps leading to a charming tree swing, all enhancing the outdoor living experience. This community offers a wealth of amenities, including two pools, recreational areas, scenic gazebos, sidewalks, trails, and event spaces for community gatherings. Located between Athens, Gainesville, North Atlanta, and the beautiful North Georgia mountains, you'll enjoy proximity to highly rated schools, major grocery chains, dual high-speed internet providers, and two power sources, making this home as functional and resilient as it is beautiful. Meticulously maintained in excellent condition, this home includes select custom furniture, like a charming farmhouse dinette and a large-screen TV. With too many upgrades to list, this gem is the perfect choice for those seeking style, comfort, and enduring quality in a highly-rated school district. Don't miss the opportunity to make this exquisite retreat your own! *2.75 assumable interest rate may be available to qualified buyers.
Source: GAMLS #10410194
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10410194
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
MLS ID: #10410194
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.