3248 Watershed Blvd, Laurel, MD 20724
4 beds · 4 baths · 3,060 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Enhance Your Purchase Power with Seller Closing Assistance! Skip the wait for new construction—this exquisite townhome is move-in ready! Welcome to the Isleton model, one of the largest models in the sought-after Watershed community. This stunning, like-new 2022 Pulte-built townhome boasts over 3,100 sq. ft. of beautifully designed living space, including a three-level rear extension and fourth-level loft with rooftop terrace with trellis! Step inside and be greeted by a warm and inviting foyer that opens to a stunning, open-concept main level. Thousands have been invested in premium engineered hardwood flooring and elegant hardwood stairs—no luxury vinyl plank (LVP) here—creating an atmosphere of timeless sophistication. The designer kitchen is truly a chef’s dream, featuring an oversized island, expansive quartz countertops, custom cabinetry, stainless steel appliances, and a spacious walk-in pantry. Just off the kitchen, the bright sunroom with patio doors leads to a maintenance-free deck overlooking serene wooded views—perfect for morning coffee or evening relaxation. Upstairs, the luxurious owner's suite offers two walk-in closets and plush, upgraded carpeting. The spa-inspired ensuite bath includes a step-in shower with built-in bench, an expanded dual vanity, linen closet, and private water closet. Two additional generously sized bedrooms, a full bath with a high-end jetted walk-in tub and shower combo with Bluetooth connectivity (valued at over $9,000) and a convenient laundry closet completes this level. The fourth-level loft provides a bright and open retreat, featuring ebony hardwood floors, built-in Sonos speakers, and a pre-installed TV mount ready for your entertainment setup. Step outside onto the rooftop terrace with a charming trellis—an ideal spot for entertaining guests, unwinding after a long day, or watching the sunset. The lower level offers exceptional versatility with a large recreation room, a private bedroom, and full bath featuring another luxury jetted walk-in tub and shower combo with Bluetooth—perfect for guests or multi-generational living. A sliding door opens to a rear patio, adding even more private outdoor space. Car enthusiasts will appreciate the finished and painted garage with upgraded flooring—a true car buff’s dream! This energy-efficient smart home is loaded with upgrades, including main-level wiring for kitchen pendant lighting and dining/living room chandeliers, ceiling fans in every bedroom, media wiring, and custom blinds throughout. Located in the vibrant Watershed community, residents enjoy a wealth of amenities: miles of scenic trails, dog parks, playgrounds, a bike pump track, swimming pools, a fitness center, pickleball courts, and community garden. With convenient access to BW Parkway, Route 32, and I-95, you’re just minutes from Washington, D.C., Baltimore, Fort Meade, NSA, National Business Park, NASA Goddard, and Annapolis. This home truly offers the best of comfort, luxury, and location!
Source: BRIGHT #MDAA2105124
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: BRIGHT #MDAA2105124
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.