501 Stone Harbor Cir # 77, La Habra, CA 90631
2 beds · 2 baths · 972 sqft
Remodeled Cape Cod Style Condo for Sale in Stone Harbor! Nestled in a quiet corner of the highly sought-after Stone Harbor community, this beautifully remodeled single-story Cape Cod style condo offers the perfect balance of comfort, privacy, and convenience. Featuring a spacious open floor plan, this end-unit home includes 2 generously sized bedrooms and 2 updated bathrooms, ideal for those seeking a modern, low-maintenance living space. The condo is perfectly situated on the HOA-maintained greenbelt, providing added privacy while still offering easy access to all of the neighborhood’s amenities. Recent upgrades include fresh paint, low-maintenance luxury vinyl plank (LVP) flooring throughout, new countertops and cabinetry, and a brand-new AC system with a smart thermostat for year-round comfort. The kitchen has been fully upgraded with new appliances—including a gas stove—new hardware, and a breakfast bar that overlooks the open-concept living and dining areas. Additional updates include newer dual-pane windows and patio sliding door, ensuring energy efficiency and a light-filled home. The primary bedroom is a peaceful retreat, complete with an en-suite bath and a generously sized walk-in closet. As an added bonus, the property includes a designated parking spot directly in front of the entry door, as well as a detached single-car garage located conveniently next to the parking space. The garage is equipped with a side-by-side washer and dryer for added convenience. Step outside into the refreshed backyard, where you'll find a spacious and private oasis, complete with lush landscaping and a gated entrance to the greenbelt—perfect for relaxing or entertaining guests. Community amenities include a sparkling saltwater pool and spa, a built-in BBQ area, and plenty of guest parking, making this the ideal place for both relaxation and socializing. Conveniently located near shopping, freeways, parks, and schools, this condo offers the perfect combination of comfort, style, and location. Don’t miss your chance to make this stunning home yours!
Source: CRMLS #OC25048454
Financials
Source: CRMLS #OC25048454
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.