345 W Goldeneye Ln, Sneads Ferry, NC 28460
4 beds · 3 baths · sqft
Welcome to the coveted, private & tranquil neighborhood of Mimosa Bay. This gated, waterfront community is located in the heart of Sneads Ferry & is only 10 minutes from North Topsail Beach. This meticulously maintained home is absolutely stunning & encompasses a highly desirable floor plan. This home checks all the boxes. As you enter the gates of the Mimosa Bay subdivision, you will immediately notice the southern charm, craftsmanship, & curb appeal of such a prestigious community. Mimosa Bay is considered to be one of Sneads Ferry's premier neighborhoods. As you pull into the driveway, you will notice ornate landscaping, a front yard lined with beautiful mature trees, & a lovely covered front porch. Upon entering the front door, you will find gorgeous engineered hardwood flooring throughout the main living areas. There is an office located immediately on the right, accompanied with french doors. The formal dining area is located on the left, detailed with beautiful trim along the walls & a trey ceiling with crown molding. The spacious living room offers an open concept design that flows freely into the kitchen. There is crown molding in the living room and kitchen. You can cozy up to the gas log fireplace detailed with marbled trim & a beautiful wooden mantle. The kitchen is absolutely spectacular, complete with beautiful granite countertops, kitchen island, gorgeous cabinetry, breakfast nook, stainless steel appliances, & elegant brick style backsplash. As you enter the home from the 2 car garage, complete with epoxy flooring and wooden shelving, you will find a mud room with a custom built-in area. Immediately to the left (from entering the home, via the garage), you will find a flex space room with a lovely custom built-in desk with a granite countertop. You can use this space as a craft room or additional office. It doesn't stop here. In fact, it keeps getting better. There is also an impressive butler's pantry area, complete with granite countertops with upper & lower cabinets. There is also a bedroom and full bathroom located on the 1st floor. As you make your way upstairs, you will find 3 additional bedrooms, 2 full bathrooms, a flex room with a roomy closet, laundry room & a large bonus room with a spacious closet. The flex room and bonus room have the options to be used as additional bedrooms, if needed, because they both have closets. The primary bedroom suite is HUGE! It comes complete with 2 separate walk-in closets, a sophisticated trey ceiling with crown molding, & bathroom en suite, containing a dual sink vanity, & separate walk-in shower & soaker tub. All bedrooms come with beautiful white carpet. You enter the backyard via the kitchen area. You are immediately greeted with a lovely covered, screened-in porch. You will find a large deck along the back of the home with built-in benches for lounging, as you exit the back porch. The screened-in porch and deck encompass composite decking boards, perfect for long lasting durability and low maintenance. There is also a play set located in the backyard, wooden fence surrounding the backyard, & mature trees lining the rear of the property, making it a private oasis. The property also has a full yard sprinkler system and whole house water softener system. Mimosa Bay is a unique waterfront community, tucked inside the ICWW, featuring water access for boats, canoeing, kayaking, jet skis, & much more. A private dock is available to all residents and includes unsurpassed nature scenic views. Other amenities include: boat corral/storage (wait list required), boat dock, direct deep-water access, community pool, tennis courts, fitness center, clubhouse, & play area for children. Enjoy the perks of a small town with no city taxes, while also being just a short 30-45 minute commute to bigger shopping & restaurants in Wilmington & Jacksonville. Stone Bay, MCAS New River & Camp Lejeune back gate to Courthouse Bay are all within minutes. It is hard to find a coastal community that offers so many amazing & wonderful amenities, making it a perfect place to live for water enthusiasts. The local community has a lot to offer for families.
Source: NORTHCAROLINAREGIONAL #100475745
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100475745
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: #100475745
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