30 Rock Top Rd, Sedona, AZ 86351
3 beds · 2 baths · 1,686 sqft
Affordable and Charming VOC GEM with Red Rock Views!! Welcome to this beautifully updated sanctuary, perfectly situated in the sought-after Village of Oak Creek. With a spacious single-level split floor plan, this home offers a seamless blend of comfort, modern updates, and breathtaking natural beauty. Whether you're looking for a peaceful retreat or a home base for adventure, this property delivers the perfect balance of relaxation and excitement. With thoughtful design & modern comforts, you'll immediately appreciate the inviting great room layout.. The open-concept living space allows for easy interaction between the kitchen, dining, and living areas, making it a ideal setting for both daily life and entertaining guests. The remodeled kitchen is a true showstopper featuring sleek dual-level Quartz countertops, stainless steel appliances, and custom cabinetry. Whether you're an avid home chef or just love a well-appointed space, this kitchen is sure to impress. With ample storage and counter space, meal prep becomes effortless, while the modern design ensures both function and style. Spacious Bedrooms & Thoughtful Layout The split floor plan provides added privacy, with the primary suite tucked away providing generous space, large windows with natural light, and an en-suite bathroom, boasting modern finishes, a luxurious dual vanity, and a relaxing atmosphere for unwinding at the end of the day. The two additional bedrooms are equally well-sized, perfect for family, guests, or a home office setup. Outdoor Living at Its Finest! One of the standout features of this home is the lush, fully fenced backyard, a true oasis in the desert landscape. Imagine spending evenings gathered around the fire pit, enjoying cool Sedona nights under the stars. With green grass, mature landscaping, and plenty of space to relax, this backyard is perfect for outdoor dining, gardening, or simply soaking in the natural beauty of the area. Recent Upgrades & Practical Features Beyond its charm and beauty, this home offers practical updates to ensure worry-free living. The newer roof provides peace of mind, while the attached 2-car garage with new door offers convenience and additional storage. This well-maintained property is move-in ready, allowing you to start enjoying the best of Sedona living right away. Prime Location in the Village of Oak Creek. Centrally located in the highly desirable Village of Oak Creek, this home is just minutes away from some of Sedona's best amenities. Enjoy easy access to world-class hiking trails, dining, shopping, art galleries, and luxury spas/fitness centers. Whether you're an outdoor enthusiast, a foodie, or an art lover, there's something for everyone in this vibrant community. For golf enthusiasts, this location is a dream come true, with two championship golf courses and a 9-hole executive course just a stone's throw away. Tee off with stunning red rock backdrops and experience some of the best golfing Arizona has to offer. A Rare Opportunity to Own in Paradise. With its perfect blend of modern updates, scenic views, and a prime location, this home presents a rare opportunity to own a piece of paradise in one of Sedona's most beloved communities. Whether you're searching for a primary residence, a vacation getaway, or an investment property, this home checks all the boxes. Don't miss your chance to experience the beauty, tranquility, and convenience of this exceptional home. Schedule your showing today and discover why Village of Oak Creek is one of the most desirable places to live in Sedona!
Source: ARMLS #6835953
Financials
Source: Public records
Source: ARMLS #6835953
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.