3248 Watershed Blvd, Laurel, MD 20724
4 beds · 4 baths · 3,060 sqft
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 a rooftop terrace! Step inside to find an inviting foyer leading to an open-concept main level, where premium engineered hardwood floors and elegant hardwood stairs (no luxury vinyl plank here!) create a sophisticated atmosphere. The gourmet kitchen is a chef’s dream, featuring an oversized island, expansive countertops, designer cabinetry, stainless steel appliances, and a spacious walk-in pantry. Just off the kitchen, a sunroom with patio doors opens to a maintenance-free deck overlooking serene wooded views—perfect for morning coffee or evening relaxation. The upper level is home to a luxurious owner’s suite with two walk-in closets and plush upgraded carpeting. The spa-inspired ensuite bath features a step-in shower with built-in bench, an expanded dual vanity, linen closet, and a private water closet. Two additional spacious bedrooms, a full bath with a high-end jetted, walk-in tub and shower combo with Bluetooth (valued at over $9,000) and a generous laundry closet complete this level. The fourth-level loft is a bright and open retreat with ebony hardwood floors, built-in Sonos speakers, and a TV mount ready for your entertainment setup. Step out onto the rooftop terrace with trellis, the perfect spot for entertaining, unwinding, and watching the sunset. The lower level offers incredible versatility with a large rec room, a private bedroom, and a full bath featuring another luxury jetted walk-in tub and shower combo with Bluetooth—ideal for guests or multi-generational living. A sliding door leads to the rear patio, adding even more outdoor space. Finished and painted garage with finished flooring, a car buffs dream! This energy-efficient smart home is packed with upgrades, main level wired for KIT pendants and LR/DR chandeliers, ceiling fans in every bedroom, media wiring and custom blinds throughout. Located in the vibrant Watershed community, residents enjoy miles of scenic trails, dog parks, playgrounds, a bike pump track, swimming pools, a fitness center, pickleball courts, and a community garden. With easy access to BW Parkway, Route 32, and I-95, this prime location is just minutes from Washington, D.C., Baltimore, NSA, Fort Meade, National Business Park, NASA Goddard, and Annapolis.
Source: BRIGHT #MDAA2105124
Financials
Source: BRIGHT #MDAA2105124
Source: Public records
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%. 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.
Other resourcesWhat 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.