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$499,900
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19277 E 1220 Rd, Sayre, OK 73662

5 beds · 2 baths · 2,450 sqft

Gorgeous 5-bedroom home nestled on over 4 acres MOL with a tranquil creek for sale close to Elk City & Sayre, Oklahoma. Welcome to this amazing home that looks as if Chip and Joann Gaines designed the whole breathtaking property. Cuddle up in the large living area with a Lopi woodburning stove. Entry way has a welcoming German smear floor with original wood from the home as an accent wall. Float through this home on the original hardwood flooring. Kitchen is adorned with stainless steel appliances, open shelving, quiet close cabinets, coffee bar that has been plumbed with water, gas stove and a pantry with barn doors. Enjoy entertaining with this open concept the makes the home feel modern, warm and inviting. The primary bedroom has a walk-in closet with built in shelving and tons of storage. The primary bathroom has a jetted tub and walk in shower. The basement/downstairs area has a separate entrance, and enough space for a bedroom, gym or home office. The outdoor oasis consists of an above ground pool surrounded by a deck, pergola and stained concrete on the back covered patio. 50x 60 insulated shop with 2 14-foot overhead doors. Wired 220 with RV electric hook up. Water softener, 2 hot water heaters, electric updating, and the list just keeps going. Underground storm shelter, fire pit, chicken coop and all this outdoor beauty is encompassed by a creek. This Oklahoma gem is just what you need to live a wonderful life.

2,450 sqft
4.11 acres
Single Family
Built in 1975
Air conditioning
Fireplace
Private pool
Estimated
Seller's interest rate
3.88%
7%
Estimated
Monthly payment

$2,459
$2,657
You may also save up to $20,402 in total interest paid.

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Seller's estimated current equity is SIGNIN
To assume this mortgage you must cover the seller's equity by using your cash or by combining your cash with gap financing.
Estimated $2,657 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
USDA
Rate
3.88%
Remaining term
8 yrs and 7 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,459
Principal & interest
$1,496
Mortgage insurance
-
Property taxes
$366
Home insurance
$595
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
2,450 sqft
Lot size
4.11 acres
Year built
1975
Type
Single Family Residence
HOA dues
$0.00

Source: MLSOK #1178293

Frequently asked questions

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 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.

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.

View all FAQs
Last updated: Jul 12, 2025 12:14 pm
Listing agent: Char Silk (580) 450-0697
Listing provided courtesy of: eXp Realty, LLC (888) 560-3964
Details provided by MLSOK and may not match the public record.
MLS ID: #1178293
Copyright © 2025 MLSOK, Inc. We do not attempt to verify the currency, completeness, accuracy or authenticity of the data contained herein. Information is subject to verification by all parties and is subject to transcription and transmission errors. All information is provided "as is". The listing information provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective purchasers. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of MLSOK, Inc. Copyright © 2025 MLSOK, Inc. All Rights Reserved.
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Est. seller's rate
3.88%
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