Welcome to this stunning Southern-style country estate set on 30 acres of mostly pasture, featuring two spring-fed, stocked ponds at 3256 Chalybeate Springs Road in Woodland, Talbot County. Built in 2018, this custom residence offers 3,361sf with 4 bedrooms, 3 baths, and 3-car attached garage. The front is lined with pines and black board fencing for added privacy, a gated entrance opens to a serene, 1/4, tree-lined drive winding through open pastures to the residence. The exterior white pine-stained siding with log-style character, stone veneer with flagstone accents, architectural shingles, and a welcoming front porch. Step through the double doors into a light-filled hearth room, dramatic 17-foot vaulted tongue-and-groove pine ceiling with exposed cedar beams creates a warm yet expansive feel. A floor-to-ceiling, wood-burning stone fireplace anchors the space, complemented by hardwood-style flooring and custom millwork throughout. A wall of windows and clerestory glass fills the home with natural light while capturing views of the pastures and ponds. The open-concept layout flows seamlessly into the dining and kitchen areas, ideal for everyday living and entertaining. The parlor features double French doors on both sides, connecting the hearth room to the hallway off the kitchen. The hearth room opens to a charming rear porch that extends the living space outdoors, blending comfort with rustic elegance. Flagstone patio provides an inviting setting for dining and lounging, while the covered design allows for year-round enjoyment. A grilling area and timber-framed gazebo anchor the backyard, offering shaded seating with views of the gently rolling grounds and ponds. Additional patio seating and a hot tub complete the outdoor retreat. The well-appointed kitchen combines warmth and functionality with refined, craftsman-style finishes. Custom wood cabinetry extends to the ceiling, offering abundant storage. A large wraparound island with granite countertops provides generous prep space and seating for five or more. Stainless steel appliances, built-in oven with warmer and a gas cooktop with vented hood, all arranged for efficiency. Just off the kitchen, a separate dining area comfortably seats six and features bay windows overlooking the pastures and ponds. Nearby, a built-in beverage cooler and coffee station add convenience. A frosted glass door opens to the spacious walk-in pantry, adding both character and function. Designed with practicality in mind, 48-inch-wide hallways lead to a spacious mudroom with laundry, a walk-in gun storage room, and a dedicated free-standing tornado shelter. The primary suite offers a private retreat with refined finishes and thoughtful design. A double tray ceiling with crown molding, a floor-to-ceiling stone gas fireplace, and recessed lighting add architectural interest. The spacious bath includes a long granite vanity, a jacuzzi tub with tile surround, warm wood cabinetry, and a large walk-in closet with built-ins. French doors from the suite open to a climate-controlled porch for added comfort. Three additional guest rooms provide flexibility, including one currently used as a home gym, along with an additional full bath; the remaining two bedrooms feature shared en-suite bath. The home is equipped with a whole-house Generac backup generator servicing the residence, barn, and well, along with two tankless, on-demand propane hot water; french drains & lawn irrigation. Large steel outbuilding with electricity & water, multiple garden areas; Apple, Pear, Blueberry, Fig, Peaches, Plum and Cherry, pole barns and scenic walking trails surrounding the ponds-offering a peaceful country lifestyle. No restrictions! Chickens & livestock welcome. Septic & well positioned for future pool! Conveniently located to F.D.R. State Park and Callaway Gardens ~ATL 75 min~ Columbus 45 min ~ Peachtree & Newnan 60 min. Owners relocating out of state-Furnishings, farm equipment and F350 truck and more all negotiable
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.
