4151 Windham Ln, Southport, NC 28461
3 beds · 3 baths · sqft
Welcome to 4151 Windham Lane, a stunning all-brick home nestled in the prestigious St. James Plantation community of Southport, NC. Whether you're seeking a full-time residence or a second home, this property offers the perfect combination of comfort, elegance, and charm. This well-maintained home showcases an open floor plan designed for both living and entertaining. Custom upgrades abound, including hardwood flooring, vaulted ceilings, wainscoting, crown molding, and built-in cabinetry, all enhancing the sense of quality and sophistication throughout the space. The inviting front porch welcomes you into a beautifully appointed great room, seamlessly connected to the kitchen, dining room, breakfast area, and Carolina Room. The thoughtful layout places the master suite, two guest bedrooms, and a guest bathroom conveniently on the first floor, ensuring easy and accessible living. Upstairs, a spacious bonus room with a full bathroom provides the flexibility to suit your lifestyle, whether for guests, a home office, or a recreational retreat. Outdoor living is a dream here, with a serene front porch perfect for relaxing in rocking chairs and a screened-in back porch that offers privacy and tranquility. Situated at the end of a private road, the home is surrounded by peace and quiet yet is just five minutes from the community's entry and exit points for ultimate convenience. St. James Plantation offers a relaxed and vibrant lifestyle, featuring stunning natural beauty and access to unparalleled amenities with a membership, though this home does not include an active membership there are many amenities available that these homeowners have enjoyed over the years such as the Oak Island Beach Clubhouse and pool. Buyer would have to purchase a new membership if desired. Experience the charm, elegance, and ease of living at 4151 Windham Lane.
Source: NORTHCAROLINAREGIONAL #100476254
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100476254
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: #100476254
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.