Luxury has a new address in Cane Bay.Quite possibly one of the finest homes ever offered in the community, this extraordinary waterfront residence raises the standard for luxury living. Showcasing more than $250,000 in carefully curated upgrades and custom enhancements, this is far more than a home - it's a lifestyle. Every room has been intentionally designed, every finish thoughtfully selected, and every space crafted for effortless entertaining, everyday comfort, and timeless elegance. By the time you reach the backyard overlooking the water, you'll understand why opportunities like this are exceptionally rare.From the moment you arrive, you'll immediately appreciate the attention to detail that defines this remarkable residence. Inside, soaring ceilings, striking faux wood ceiling beams, rich hardwood flooring, extensive Craftsman trim, custom shiplap accents, designer lighting, and beautiful architectural details create an atmosphere that feels warm, sophisticated, and unmistakably luxurious. At the heart of the home is an extraordinary chef's kitchen designed to impress even the most discerning buyer. Premium luxury appliances - including a professional-style gas cooktop, built-in double wall ovens, a stunning matte white designer refrigerator, a handcrafted wood vent hood, farmhouse apron-front sink, brushed gold fixtures, pot filler, and a built-in coffee station blend seamlessly with custom Brellin cabinetry, Level 6 Pearl Jasmine quartz countertops, an oversized furniture-style island with extended seating, under-cabinet lighting, and a designer backsplash extending to the ceiling. The adjoining butler's pantry provides additional cabinetry, quartz countertops, and dedicated space for a future wine refrigerator, creating the perfect balance of beauty and functionality. Flooded with natural light and framed by breathtaking water views, the expansive great room seamlessly connects the kitchen, dining area, and outdoor living spaces. Exposed wood beams, a stunning designer fireplace, custom built-ins, and walls of windows create an atmosphere that is equally suited for quiet evenings at home or unforgettable gatherings with family and friends. The expanded primary suite is a true private sanctuary, thoughtfully designed for both luxury and convenience. A built-in makeup vanity creates the perfect personal retreat, while the spa-inspired bathroom features floor-to-ceiling designer tile, an oversized walk-in shower with a luxurious rainfall shower system, frameless glass enclosure, dual quartz vanities, premium finishes, and an expansive walk-in closet. Adding to the home's exceptional functionality, the primary suite also features its own private laundry room - a rare luxury that transforms everyday living. A second full laundry room serves the remainder of the home, providing outstanding convenience for family and guests alike. The attention to detail continues throughout every room with designer bathrooms, premium hardware, surround sound, CAT5 networking, extensive recessed lighting, upgraded electrical features, and countless custom details that elevate this home well beyond typical builder finishes. Step outside to discover what truly sets this home apart. Overlooking peaceful water views, the backyard has been transformed into a private resort featuring a spectacular heated saltwater in-ground pool, expansive entertaining areas, and a beautiful covered outdoor pavilion that perfectly blends indoor and outdoor living. Whether enjoying a quiet morning by the water, spending the afternoon poolside, or hosting unforgettable evenings under the Carolina sky, this outdoor oasis offers a lifestyle most only dream about. As an added bonus, the custom-built garage bar creates an entertaining space unlike anything else in the neighborhood. Whether watching the big game, hosting family and friends, or simply unwinding after a long day, this unique space perfectly reflects the home's commitment to elevated living and memorable experiences. Throughout the home, every finish, fixture, and design choice reflects intentional planning rather than standard builder selections. From the extensive custom millwork and architectural details to the luxury appliances, designer lighting, premium cabinetry, dual laundry rooms, spa-inspired owner's retreat, and countless thoughtful upgrades, this residence offers a level of customization and refinement rarely found in today's market. Luxury homes are defined not only by what they offer, but by how they make you feel. This home delivers an experience that is elegant, welcoming, and unforgettable from the moment you walk through the front door. Recognized as one of Cane Bay's premier luxury residences, this is more than a home - it's a statement of craftsmanship, design, and exceptional Lowcountry living. Opportunities to own a property of this caliber are exceptionally rare. Welcome home.
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.
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.
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.
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.
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 “Save search” 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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
