1 of 60
$314,000

910 Tattnall St, Macon, GA 31201

3 beds · 2 baths · 1,968 sqft

910 Tatnall Street provides a quintessential charm and vibrant downtown lifestyle, offering a beautiful backdrop to everyday living. A rare opportunity to own one of downtown's prettiest jewels located on an expansive corner lot near Tatnall Square Park. Situated in beautiful downtown Macon, known for its evolving scenery & rich historic architecture, heightening the allure of this special home. Evoking a wonderful scale, uniqueness & attention to detail inside, this exceptional residence has been given thoughtful cosmetic & functional updates throughout. Featuring stylish curated characteristics with interior themes inspired by timeless design. As you walk up to the home through the custom trellis, you will notice the newly landscaped front yard & the charming front porch that has been completely renovated. You will be greeted by gleaming original heart pine floors as you enter, seamlessly flowing into the delightful living room drenched in sunlight & boasting new natural wood trim, newly added recessed lighting, & classic original fireplace. The fireside dining room presents a romantic appeal with the hanging antique crystal chandelier, large closets & trendy features, where you can host dinners year round. Enjoy entertaining & cooking in the beautifully appointed kitchen with newly added, salvaged architectural details throughout, stylish hand-made look subway backsplash, step-in pantry, pro-level Delta hands free faucet, new Kitchen-Aid appliances, excellent design layout, granite countertops & large island with prep wash sink, the perfect space for creating culinary masterpieces. A mudroom is attached to the kitchen offering new custom built, original-styled windows, antique double-swinging door and a cast iron sink, where you can have a coffee or wine bar area. As you ascend to the upstairs bedrooms, you will get a feeling that you have stepped into a home in Knotting Hill, comfortable & trendy, while giving a homely feel throughout the second level. The stained leaded glass crowns the stairwell, while the snazzy light sconces flank the hallway. The baby nursery has recently added custom bookshelves & desk, along with a hand painted mural by Macon's renowned artist, Erin Hawkins. The owner's suite & guest bedroom offer original fireplaces with chic tile & exquisite original wood mantles. The spacious walk-in closet with laundry joined to the owner's suite, provides a brand new GE washer & dryer with new flooring, making it a convenient bonus that you will not find in a downtown home. Enjoy organic living in the city with established herbs, perennial native flowers, blueberry bushes & asparagus crowns, with a fruit producing dwarf fig tree right in your own backyard. The added antique brick retaining wall adds a touch of naturalistic & informal structure, reminiscence of an English garden. This special home has remained true to the original architecture while it has been given thorough upgrades, which include extensive trim and new siding repair, new exterior paint, newly stained back deck and fences, window repair & complete restoration, including all new sash locks & paint. The fully repainted interior was recently finished, along with interior crown moulding, custom natural finished crown moulding in the living & dining rooms, new front porch handrail made of solid heart pine, new columns on front porch, HVAC systems newly serviced and many more upgrades and repairs, ensuring a peace of mind after moving in. Downtown Macon is a tapestry of trendy restaurants, lovely cafes, art galleries, live music nights, boutique hotels, & artsy buildings with beautiful architecture. There is no other opportunity on the market like this unique property & cherished piece of downtown history. Best of all is the coveted address near Tatnall Square Park, offering pickleball, tennis, rugby & soccer. Close to Mercer University & Mercer Village, while the downtown's attractions are in walking distance of all the fun the city has to offer.

Interest rate 3
4.25%
With Roam
7%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$806
With Roam
$1,043
Reduce your monthly payments by $236 when you assume this mortgage.
You also save $67,987 in total interest paid.

$168,807
Edit

You may be able to put down less than the total down payment amount of $168,807 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
Details
Home
Size
1,968 sqft
Lot size
0.1 acres
Year built
1900
Type
Single Family Residence

Source: GAMLS #10376524

Loan
Remaining term
23 years, 11 months
Rate
4.25%
Monthly P&I
$806
Remaining loan balance
$145,192

Source: Public records

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

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.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

expand content

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.

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Last updated: Oct 30, 2024 09:12 am
Listing agent: Stacia Chaudhry (478) 718-1087
Listing provided courtesy of: Soneva Real Estate (478) 300-6160
Details provided by GAMLS and may not match the public record.
MLS ID: #10376524
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of GAMLS. All real estate listings are marked with the GAMLS Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision. Copyright © 2024 GAMLS. All rights reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$806/mo
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