Dan Kaercher

Dan Kaercher

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$650,000

($361,156 down)
FHA

111 7Th Street, Ramona, CA 92065

2
2
704 sqft
PITI Monthly
$2,463.49 /mo

Listing courtesy of: Melissa Sofia, The Avenue Home Collective

Assumed Rate

3.23%
7.15%

Principal & Interest

$1,393 /mo
$2,167 /mo

What's Special

DINING
SPACIOUS
HOME OFFICE
PATIO
CHARMING
COZY

Charming Ramona Retreat with Spacious and Versatile Yard This cozy 2-bedroom, 2-bathroom home offers a functional layout with a second bedroom featuring its own bathroom and private patio door entrance—perfect for guests or a home office. An enclosed patio with a sliding glass door leads to the expansive backyard, offering plenty of space for RVs, toys, or an outdoor oasis. The front and back yard areas have been upgraded with artificial turf for low-maintenance landscaping, and the pergola above the BBQ area is custom-built, adding a stylish touch to the outdoor space. Plus, the home is equipped with solar power for energy efficiency and savings. Conveniently located near local shops, dining, and Ramona’s renowned wineries, this home is the perfect blend of comfort and practicality.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.23
Remaining Loan Term
25 years, 3 months
Monthly PITI
$2,463.49/mo
Estimated Loan Balance
$291,895
Cash to close
$361,156
Interest Paid
$46,826

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 2
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: Yes
  • Pool Features: InGround

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1945
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Mountainous, Rural
HOA
  • Has HOA: No
Location
  • Region: Ramona

Financial Details

  • Price per Sqft: $923.3
  • Tax Annual Amount: $8125
  • On Market Date: 2025-03-06T00:00:00.000Z
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.

Apply now

Savings Calculator

Current cash to close is $361,156 (56%)
You can enter any amount below - secondary financing will cover the difference if needed.
56%
$

You cover the entire equity of $361,156!

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

Loan Breakdown

Assumed Mortgage3.23% Sellers Rate
$288,844
Your Cash:$361,156
Total Purchase Price:$650,000

Assumed vs Traditional Mortgage

Assumed @ 3.23%
$1,393/mo
Traditional @ 7.5%
$2,247/mo
You save $855/month ($10,257/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PTP2501411

Listing From:

Last updated: 2025-03-06T15:12:42.000Z

© , CRMLS. 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

3.23%
7.15%

Principal & Interest

$1,393 /mo
$2,167 /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 $361,156 (56%)
You can enter any amount below - secondary financing will cover the difference if needed.
56%
$

You cover the entire equity of $361,156!

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

Loan Breakdown

Assumed Mortgage3.23% Sellers Rate
$288,844
Your Cash:$361,156
Total Purchase Price:$650,000

Assumed vs Traditional Mortgage

Assumed @ 3.23%
$1,393/mo
Traditional @ 7.5%
$2,247/mo
You save $855/month ($10,257/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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