Dan Kaercher

Dan Kaercher

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Active

$899,888

($582,840 down)
VA

1506 Railroad St, Oceano, CA 93445

2
1
4,320 sqft
PITI Monthly
$1,832.66 /mo

Listing courtesy of: John Sayage, eXp Realty of California

Assumed Rate

3.61%
7.15%

Principal & Interest

$1,616 /mo
$2,398 /mo

What's Special

LOCATION
WALK-IN CLOSET
DECK

Prime Mixed-Use Property – A Rare Opportunity This 4,320-square-foot mixed-use property, built in 1991 and situated on a 4,500-square-foot lot, is zoned for Commercial Service (CS) and offers exceptional versatility for business or investment opportunities. Its exterior features include sidewalks, curbs, gutters, and prominent signage, while a $49,000 solar system with 23 panels and battery back-up enhances energy efficiency. The lower level spans 2,160 square feet, including a 900-square-foot retail space with finished drywall, track lighting, storefront windows, and access from Railroad Street, plus a restroom and stairs to the second-level storage. The remaining 1,260 square feet is configured as a workspace and garage, with concrete floors, built-in cabinetry, two roll-up doors at the front and rear, two open areas, and an additional restroom. The 2,160-square-foot upper level includes a 900-square-foot commercial space with three rooms and a 1,260-square-foot one-bedroom apartment. The apartment features a private entrance, master bedroom with walk-in closet, upgraded kitchen with marble counters and built-in appliances, two full bathrooms, and a reinforced second-story deck with new heating/AC. Don't miss out on this great opportunity to own in this prime location!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.61
Remaining Loan Term
24 years, 7 months
Monthly PITI
$1,832.66/mo
Estimated Loan Balance
$319,023
Cash to close
$582,840
Interest Paid
$65,761

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 2
  • Bathrooms: 1
Cooling & Heating
  • Cooling: CentralAir, SeeRemarks
  • Heating: ForcedAir
Features
  • Materials: SeeRemarks
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Laminate

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Metal
Parking
  • Garage: Yes
  • Garage Spaces: 6
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories:
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • SeeRemarks
  • Roof: Metal
Condition
  • Year Built: 1991
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Not Listed
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Oceano

Financial Details

  • Price per Sqft: $208.31
  • Tax Annual Amount: $
  • On Market Date: 2025-01-06T00:00:00.000Z
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 $582,840 (65%)
You can enter any amount below - secondary financing will cover the difference if needed.
65%
$

You cover the entire equity of $582,840!

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

Loan Breakdown

Assumed Mortgage3.61% Sellers Rate
$317,048
Your Cash:$582,840
Total Purchase Price:$899,888

Assumed vs Traditional Mortgage

Assumed @ 3.61%
$1,616/mo
Traditional @ 7.5%
$2,487/mo
You save $871/month ($10,453/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 41081586

Listing From:

Last updated: 2025-01-13T21:56:36.000Z

© , 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

3.61%
7.15%

Principal & Interest

$1,616 /mo
$2,398 /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 $582,840 (65%)
You can enter any amount below - secondary financing will cover the difference if needed.
65%
$

You cover the entire equity of $582,840!

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

Loan Breakdown

Assumed Mortgage3.61% Sellers Rate
$317,048
Your Cash:$582,840
Total Purchase Price:$899,888

Assumed vs Traditional Mortgage

Assumed @ 3.61%
$1,616/mo
Traditional @ 7.5%
$2,487/mo
You save $871/month ($10,453/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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