VA assumable loan opportunities are rare in today’s real estate market, but at 7354 County Road 44 in Fort Payne, Alabama, buyers can take advantage of this incredible benefit while also securing a home that offers space, comfort, and a lifestyle many only dream of. With 4.7 unrestricted acres, an established orchard, and a beautifully maintained 3-bedroom, 2-bath all-brick home, this property combines the best of country living with smart financial options.
Why a VA Assumable Loan Matters
VA assumable loan allows a qualified buyer to step into the seller’s existing loan terms. This often means lower interest rates than what’s currently available in the market. For buyers who qualify, it can mean thousands in savings over the life of the loan.
Pair that with the fact that this property also qualifies for USDA financing, and you have a home that’s not only desirable for its features but also accessible for its financing flexibility.
Property Overview
Offered Price $449,000
This 2,184-square-foot home was built in 2001 and has been carefully updated and maintained. Highlights include:
- 3 spacious bedrooms and 2 full bathrooms
- Main-level master en-suite for convenience and privacy
- Vaulted ceilings in the living room with barn door accents
- Custom cabinetry and granite countertops in the kitchen
- A walk-in pantry ideal for homesteading and bulk storage
- A bright dining area with room for large gatherings
- Separate laundry room with storage and utility sink
With brick construction, modern updates, and functional design, this home is move-in ready for its next owners.
Outdoor Features
The outdoor living spaces truly set this home apart.
- A 29’ x 14’ back deck designed for entertaining, barbecues, and sunset views
- A fire pit area perfect for gatherings on cool Alabama evenings
- Room for outdoor seating, gardening, or expansion
Whether you’re entertaining guests or enjoying a quiet evening under the stars, the outdoor spaces are an extension of the home.
Orchard and Homestead Lifestyle
This property isn’t just about the house — it’s about the land and the lifestyle it provides. The 4.7 level, cleared, and unrestricted acres give you freedom to live the way you want. Already in place is a thriving orchard with:
- Peach trees
- Pear trees
- Apple trees
- Apricot trees
- Fig trees
- Raspberries
In addition, you’ll find raised garden beds for vegetables, herbs, and flowers. The land is perfect for chickens, hobby farming, or expanding the gardens further. With no HOA, you decide how to use your property.
Garage and Storage
The 2-car garage offers plenty of room for vehicles, tools, and storage. Whether you want a workshop, hobby space, or extra storage for outdoor equipment, this garage has the flexibility to meet your needs.
Location Highlights
Situated in DeKalb County, this home offers the best of both worlds — country privacy with convenient access to town. You’re just minutes from Rainsville, Fyffe, and Fort Payne, where you’ll find shopping, schools, and local dining.
For outdoor adventure, you’re close to some of Alabama’s top destinations:
- DeSoto State Park – waterfalls, hiking trails, camping, and natural beauty
- Little River Canyon National Preserve – dramatic overlooks and outdoor recreation
- Lake Guntersville – boating, fishing, and Alabama’s largest lake
Financing Benefits
This home stands out not just for its features but also for its financing flexibility:
- VA Assumable Loan (credit qualifying): Take advantage of existing loan terms with Regions Bank and save money.
- USDA Loan Eligible: Perfect for buyers seeking affordable financing with little to no down payment.
- Conventional and FHA financing options are also available, making this property accessible to a wide range of buyers.
Why This Home is Different
Most properties on the market today are either in restricted subdivisions or lack the lifestyle features that buyers want. At 7354 County Road 44, you get:
- Freedom with no HOA
- A producing orchard and garden beds
- Modern home features like granite, vaulted ceilings, and custom cabinetry
- Outdoor living spaces with a large deck and fire pit
- Financing options that open doors for more buyers
Call to Action
This is more than a home — it’s a mini-homestead ready for its next chapter. Whether you’re looking for a family property, a retirement retreat, or a homestead where you can grow and thrive, this Fort Payne home has it all.
📲 Call Team Morris Homes with Keller Williams Realty today to schedule your private showing. Opportunities like this don’t last long.
👉 Buy, Sell & Invest with the BEST!
