2801 Scenic Meadow St, Waldorf, MD 20603
6 beds · 5 baths · 6,020 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Grand Estate Living at 2801 Scenic Meadow Street, Waldorf Welcome to 2801 Scenic Meadow Street—a true hidden gem tucked away in an exclusive cul-de-sac, offering the perfect blend of elegance, privacy, and space. Set on over half an acre, this stately residence provides rare separation between homes and a serene setting ideal for luxurious living. A long, picturesque driveway leads you to beautifully manicured landscaping that sets the tone for what awaits inside. Step onto the welcoming front porch and through the grand entrance, where rich hardwood floors flow throughout the foyer, formal living room, dining room, and gourmet kitchen. To your right, the formal living room impresses with tray ceilings, intricate crown and chair moldings, and classic Greek columns—an ideal space for sophisticated entertaining. To your left, a gracious formal dining room awaits, perfect for hosting elegant dinners and holiday gatherings. The heart of the home is the sprawling chef’s kitchen, outfitted with new slate appliances, granite countertops, a complementary backsplash, and an expansive island with bar seating under designer pendant lighting. Endless cabinet space and a cozy breakfast nook make this kitchen both functional and stylish. Just off the kitchen, a sun-drenched morning room surrounded by windows offers peaceful views and direct access to the outdoor deck. The oversized family room delivers on both scale and warmth with a focal-point fireplace, custom mantel, and recessed lighting throughout. Need a home office? A dedicated office space with panoramic windows and a skylight provides an inspiring place to work, complete with pocket doors for privacy and efficiency. Upstairs, luxury continues with five generously sized bedrooms. The primary suite is a true retreat—featuring soaring cathedral ceilings, a separate sitting area, and a spa-style bathroom with a dual-sink vanity, jacuzzi tub, separate shower, and skylight. A secondary guest suite with a private full bath ensures visitors feel right at home. Three additional bedrooms and a third full bath, along with a spacious upstairs laundry room, round out the upper level. The finished lower level offers even more flexibility and luxury. Host unforgettable movie nights in the dedicated home theater, enjoy the recreation space ideal for a game room or future bar area, and utilize a bonus room for fitness or a second office. A full bedroom and full bathroom on this level make it ideal for guests or multigenerational living. There’s also a walkout to the backyard for seamless indoor-outdoor flow. The backyard is a private resort-style escape, complete with a two-level maintenance-free deck, a fully functional hot tub, and a stunning stone patio with built-in fireplace. Backing to mature trees, this tranquil setting offers the ultimate in outdoor living and entertaining. Additional features include a two-car side-entry garage, exterior security cameras, and a spacious double-door shed ideal for storing a riding lawn mower or garden equipment. If you’ve been searching for a truly expansive, upscale home with every amenity—your search ends here.
Source: BRIGHT #MDCH2040828
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #MDCH2040828
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 of Equal Opportunity Act.