2009 Polk Road N, Statesboro, GA 30458 is a one-level 4-bedroom, 3-bath home on approximately 8.91 wooded acres in Bulloch County - single-story living, no HOA, and real acreage just off GA Hwy 46 near Statesboro. Built in 2006 with roughly 2,280 square feet (per public records), this Statesboro-area acreage property pairs an open floor plan and a split-bedroom layout with an updated granite kitchen, a private deep-water well, and a septic system. Homes for sale in Bulloch County with this much land and no HOA are hard to find. Set about a mile back down a quiet, county-maintained road, the home rests in a private clearing ringed by its own mature woods - giving you space, privacy, and easy one-level living within a short drive of Statesboro. Inside, an open-concept great room flows from the living area to the dining space and into an updated kitchen with light-gray raised-panel cabinets, crown molding, granite countertops, a white subway-tile backsplash, and a raised breakfast-bar peninsula. Appliances include a cooktop, wall oven, stainless steel dishwasher, and stainless steel refrigerator. Recessed lighting, ceiling fans, wood-look flooring, and raised-panel interior doors carry through the main living areas, and a sliding glass door opens to the rear deck. The split-bedroom floor plan places a private primary suite on its own end of the home with a double-vanity ensuite bath and a walk-in closet; per the floor plan, three of the four bedrooms have walk-in closets. A separate den/bonus room adds a flexible second living space for a home office, media room, or game room. Additional full baths and a dedicated laundry room with cabinetry and washer/dryer hookups round out the interior (buyer to verify). Outdoors, a newer wood deck overlooks a chain-link fenced backyard with a double-gate, mature shade trees, and open lawn. The front has a modest raised entry landing with steps - not a covered porch - and a long drive offers ample off-street parking with room for a boat, RV, or trailer. The rear deck is an easy spot for morning coffee or weekend cookouts over the wooded backyard. Property and systems: manufactured house / manufactured-on-land on a permanent, fixed foundation with all-brick skirting; private deep-water well; septic tank; packaged central-electric HVAC; electric water heater; underground utilities; and a newer roof. With well and septic in place, there is no monthly city water or sewer bill, and no HOA dues. Zoned schools per the listing are Nevils Elementary, Southeast Bulloch Middle, and Southeast Bulloch High. Statesboro anchors Southeast Georgia's Interstate 16 corridor - roughly an hour from Savannah, Pooler, and the Georgia coast, and close to Brooklet, Register, and Portal - so you get rural Bulloch County acreage while staying connected to Georgia Southern University, shopping, dining, and medical care. This wooded tract may appeal to buyers searching for a mini-farm, homestead, or private rural retreat with room for a garden, workshop, or RV and boat storage; buyers should verify zoning, permitted uses, and any rural or USDA financing eligibility. Buyers searching for country homes, acreage, or land with a house near Statesboro will find room to spread out. Take the Matterport 3D virtual tour [https://my.matterport.com/show/?m=DqfYhc48gq6&mls=1] and CubiCasa 2D floor plan [https://unbranded.visithome.ai/PetoccvYF3hL2orE8bex5Q?mu=ft] to walk the full layout online before you visit. Square footage, acreage, lot lines, room counts, systems, and included items are approximate, drawn from public records and listing media - buyer to verify all measurements and details. In short: a one-level 4BR/3BA home on about 8.91 acres with no HOA, a private well and septic, and a 3D tour - a private, wooded property near Statesboro, GA 30458 in Bulloch County. Search 2009 Polk Road N. Schedule your showing today.
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.
