4529 Nicklaus Dr, Champaign, IL 61822
3 beds · 4 baths · 1,894 sqft
WOW! Where can you get a NEARLY NEW home with 5 BEDROOMS, 3.5 BATHS, ~3000 FIN. SQFT. on 3 levels? For this price and this sought after location, with the recent updates...?! NEW, NEW...BETTER than NEW! Built in 2018, this looks, lives & feels brand NEW! Outstanding golf course & waterfront home, with a FULL FINISHED basement, overlooking the prestigeous Legends Golf Course! Located by all the newest construction, close to the NEW restaurants/Banks/Businesses, & the Fields medical center. Fantastic layout, w/popular, OPEN FLOOR PLAN from the kitchen/dining to the front room. Owner is leaving ~50K recently invested on renovations & upgrades. Designer updates in current style & decor w/styles & selections that make this one HGTV ready! Impressive, soaring 2-story ceilings in the entry & front room. Hard to find FIRST FLOOR MASTER with lovely lake views, a designer accent wall, big walk in closet and a beautiful sliding barn door to the upscale bath. UPDATED kitchen, with gorgeous granite counters, stainless appliances, including the 5 door, deluxe BESTOKE SAMSUNG STAINLESS fridge, a high end gas oven & NEW top-of-the-line quality dishwasher was just added. Extra lg area for a big kitchen table & hutch, step out back through the sliding glass door from the kitchen to the elevated back deck, overlooking the golf course to enjoy morning coffee, an afternoon lunch or just relax to watch the stunning sunsets over the lake. Lots of cabinety & counter space, plus a pantry closet & lg center island w/space for 3-4 barstools. Gorgeous front rm with the focus on the fireplace that has just had an extreme make over: Stunning floor to ceiling "slat wall" design, flanked by windows on each side, is an NEW 60" modern rectangular, electric, wifi controlled fireplace insert & stylish mantle to finish the look. Acres of hand-scraped, gleaming hardwood on the entire main level (ceramic tile in wet rooms) High end LUXARY VINYL PLANK Flooring on lower level & BRAND NEW CARPET on the ENTIRE 2nd level. NEW light fixtures, ceiling fans & cabinet hardware. 2 large bedrooms, a full bath & open loft loft area at the top of the stairs. Tons of to room to roam with the 2nd HUGE hangout in the lower level family room...complete with a wet bar w/HISENSE mini fridge, custom white shaker style cabinetry, granite counters and a NEW ceramic tile back splash. Lower level also includes a HUGE bath, with a custom ceramic tile walk in shower, 2 more oversized bedrooms & lg storage area. NEW back-splashes in both kitchen and wet bar. Custom matching blinds throughout. Solid Oak stairs going to the basement. NEW! 10K maintenance free black metal fence is there...compliments of the current owner. Laundry room with a second mini drop zone, a nearly NEW! top-quality MAYTAG washer/dryer conveys. Big and abundant closet spaces, extra deep garage and xlg storage room in bsmt. High end names such as Samsung, Maytag, Moen, Kohler & GE. Guest half bath, bsmt stairs and laundry room are conveniently located between the garage and kitchen. Quality built by Signature homes, this is the "Norah" model, the most popular floor plan w/the stairs off to the side by the entry, daylight/egress bsmt windows & upstairs walkway overlooking the living room below. With loads of extras, upgrades, recent renovations & freebies... this property is a tremendous value and sacrifice at this price. To rebuild in todays construction dollars with the increased costs of labor/lumber, this could easily cost 100K more. It's like getting a new home with the builder throwing in a finished bsmt for free! Seriously, You will NOT BE DISAPPOINTED with this one! (unless you miss out) Don't Delay...CALL Your Favorite Realtor to Schedule a Private Showing Today!
Source: MRED #12200793
Interest rate and monthly payment estimated based on public records.
Source: MRED #12200793
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: #12200793
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