363 Summerhouse Dr, Holly Ridge, NC 28445
3 beds · 3 baths · sqft sqft
For the first time since 2017, 363 Summerhouse Dr is now available. This stunning 2-story coastal cottage, situated on 0.14 acres right on Spicer Lake—the largest lake in Summerhouse—offers an unparalleled living experience. With 2,739 square feet of living space, this home features 3 bedrooms, 2.5 baths, and a unique Salter Floorplan. The traditional deck has been transformed into an expansive sunroom off the living room, enhancing the charm of this coastal retreat. The exterior showcases sturdy fiber cement siding, a 10' deep front porch, and a professional landscaping package, all contributing to its striking curb appeal. Inside, you'll find engineered hardwood floors extending through the living room, dining area, kitchen, foyer, and hallway. The modern kitchen is a chef's dream with granite countertops, upgraded all-wood cabinets with crown molding, a stainless steel appliance package (including a built-in microwave/convection combo and dishwasher), an island with pendant lighting, and a walk-in pantry. The home boasts 9 ft ceilings on all floors, with elegant crown molding in the main living areas. Upgraded brushed nickel lighting fixtures and MOEN plumbing fixtures are featured throughout. The master bedroom is a true retreat, complete with a stunning tray ceiling, a private screened-in deck overlooking Spicer Lake, an oversized walk-in closet with direct access to the laundry room, dual vanities, and a separate glass shower enclosure with a tub surrounded by tile. On the ground floor, you'll find a spacious 19'0'' x 17'4'' bonus room that opens to a rear deck, two additional bedrooms, a full bath, and a mudroom leading from the finished 2-car garage. The first-floor screened-in patio includes a hot tub, perfect for relaxing while enjoying serene views of Spicer Lake. Summerhouse on Everett Bay Summerhouse on Everett Bay offers residents a truly luxurious lifestyle. At the heart of the community is a 10,000 square foot manor house, surrounded by an Olympic-style pool and a state-of-the-art fitness center. For those who enjoy staying active, the community also features a tennis court, basketball court, and a children's playground. The 14 miles of running trails provide a great opportunity to enjoy nature while getting some exercise. With stunning views of the Intracoastal Waterway, boat docks, and boat ramps, this community is ideal for water enthusiasts. Summerhouse even has its own marina, making it easy to get out on the water whenever you want. The community's location offers a peaceful, tranquil environment surrounded by nature, with 24-hour security providing a sense of safety and privacy. !!!!Special Offer!!! As an added bonus, buyers will receive a $20,000 "Use as You Choose" incentive, which can be used toward closing costs, interest rate buydowns, or even a redecorating allowance to make this home uniquely yours. This is an exceptional opportunity to live in one of Holly Ridge's most prestigious neighborhoods, a place where summer never ends. Don't miss your chance to experience the true meaning of luxury living at 363 Summerhouse Dr. Visit us today and start making year-round memories in this incredible community.
Source: NORTHCAROLINAREGIONAL #100452117
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100452117
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #100452117
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.