Dan Kaercher

Dan Kaercher

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Closed

$300,000

($100,913 down)
FHA

1006 Dale Street, Saint Joseph, MN 56374

5
2
2,080 sqft
PITI Monthly
$1,501 /mo

Listing courtesy of: , RE/MAX Advantage Plus

Assumed Rate

3.16%
7.15%

Principal & Interest

$946 /mo
$1,486 /mo

What's Special

SERENE
DINING
LUXURY
DECK
CHARMING

Welcome to this charming five-bedroom home in the heart of St. Joseph, Minnesota! Situated adjacent to a serene park and with no rear neighbors, you can enjoy peaceful views and the beauty of nature right from your own backyard. There are many highlights about this home you can enjoy from the minute you step into it. The main level has an open layout, with the combined kitchen island and dining area that walks out to the large deck, creating a great space for entertaining and easy access for grilling during all the Minnesota seasons. The deck walks down to a great fenced in back yard, that has a country feel, but with a small town charm. The living room and kitchen has luxury vinyl plank flooring ideal for easier cleaning, pets and lots of foot traffic. The main level also has three bedrooms on one level, with the lower level adding two more bedrooms, making this a hard to find five-bedroom home. The lower level also has a large family room, also with luxury vinyl plank flooring, and an extra-large laundry room. This home is ideally located close to schools and the vibrant town center, ensuring that everything you need is just a short drive away. Recent updates include a newer deck, a freshly coated and widened driveway, newer appliances such as a washer, dryer, water softener, and furnace, ensuring comfort and efficiency year-round. Don’t miss the opportunity to make this delightful home yours—schedule a visit today and experience all it has to offer!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.16
Remaining Loan Term
25 years, 4 months
Monthly PITI
$1,501/mo
Estimated Loan Balance
$199,928
Cash to close
$100,913
Interest Paid
$30,872

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Central Air
  • Heating: Forced Air
Features
  • Materials: Brick/Stone, Vinyl Siding
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Chain Link, Full
Roof
  • Roof: Age Over 8 Years, Asphalt
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Brick/Stone, Vinyl Siding
  • Roof: Age Over 8 Years, Asphalt
Condition
  • Year Built: 1992
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Cloverdale Estates 5th Add
  • Features: None
HOA
  • Has HOA: No
Location
  • Region: Saint Joseph

Financial Details

  • Price per Sqft: $144.23
  • Tax Annual Amount: $2986
  • On Market Date: 2025-01-02T00:00:00.000Z
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $100,913 (34%)
You can enter any amount below - secondary financing will cover the difference if needed.
34%
$

You cover the entire equity of $100,913!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.16% Sellers Rate
$199,087
Your Cash$100,913
Total Purchase Price:$300,000

Assumed vs Traditional Mortgage

Assumed @ 3.16%
$946/mo
Traditional @ 7.5%
$1,541/mo
You save $595/month ($7,134/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6643439

Listing From: northstar

Last updated: 2025-02-10T14:52:02.000Z

© , northstar. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

3.16%
7.15%

Principal & Interest

$946 /mo
$1,486 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $100,913 (34%)
You can enter any amount below - secondary financing will cover the difference if needed.
34%
$

You cover the entire equity of $100,913!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.16% Sellers Rate
$199,087
Your Cash$100,913
Total Purchase Price:$300,000

Assumed vs Traditional Mortgage

Assumed @ 3.16%
$946/mo
Traditional @ 7.5%
$1,541/mo
You save $595/month ($7,134/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Your Home Sold Guaranteed Realty
Agent/Broker
Dan KaercherYour Home Sold Guaranteed Realty(480) 202-1789Dankaercher@state48livin.comMLS SA677983000

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