Dan Kaercher

Dan Kaercher

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$849,000

($216,249 down)
FHA

15408 Vista Vicente Dr, Ramona, CA 92065

4
4
2,580 sqft
PITI Monthly
$5,069.21 /mo

Listing courtesy of: Karen Bass, HomeSmart Realty West

Assumed Rate

4.92%
7.15%

Principal & Interest

$3,502 /mo
$4,446 /mo

What's Special

DINING
SPACIOUS
RENOVATED
LUXURY
VAULTED CEILINGS
BALCONY
INCOME POTENTIAL
RENTAL INCOME

Rare find in San Diego Country Estates! This exceptional 4-bedroom, 4-bath Solar home is an opportunity not to be missed, offering breathtaking panoramic views of the San Vicente Golf Course, lake, and mountains that glow with stunning hues at sunset. Designed for multi-generational living or investment potential, the property features a spacious main-level 2/2 suite with offic, vaulted ceilings, an open-concept living and dining area, and a well-appointed kitchen with access to an extended covered balcony—perfect for relaxing and entertaining. A detached studio ADU with a kitchenette and 3/4 bath provides a private retreat for guests or rental income. The lower-level one-bedroom suite offers a separate entrance, living room, gym/office, kitchenette, 3/4 bath and direct golf cart path access, adding even more flexibility and potential rental income. This home is located in a community with resort-style amenities, including a renovated golf course, two equestrian centers, parks, pools, and miles of scenic hiking, biking, and riding trails. A large two-car garage and ample parking ensure convenience for residents and guests alike. Combining luxury, versatility, and income potential, this home offers a rare opportunity in a truly stunning setting.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.92
Remaining Loan Term
27 years, 6 months
Monthly PITI
$5,069.21/mo
Estimated Loan Balance
$634,555
Cash to close
$216,249
Interest Paid
$79,486

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Electric, ForcedAir, Fireplaces, Solar
Features
  • Materials: Adobe, LapSiding, Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Carpet

Exterior

Fencing
  • Fencing: ChainLink, CrossFenced, Masonry
Roof
  • Roof: SpanishTile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Community, Association

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Adobe, LapSiding, Stucco
  • Roof: SpanishTile
Condition
  • Year Built: 1979
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Ramona
  • Features: Pool
HOA
  • Has HOA: Yes
  • HOA Name: San Diego Country Estates
  • HOA Amenities: Unknown
  • HOA Fee: $175
  • HOA Frequency: $Monthly
Location
  • Region: Ramona

Financial Details

  • Price per Sqft: $329.07
  • Tax Annual Amount: $10612.5
  • On Market Date: 2025-03-22T00:00:00.000Z
Inquire about this property

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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 $216,249 (25%)
You can enter any amount below - secondary financing will cover the difference if needed.
25%
$

You cover the entire equity of $216,249!

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

Loan Breakdown

Assumed Mortgage4.92% Sellers Rate
$632,751
Your Cash$216,249
Total Purchase Price:$849,000

Assumed vs Traditional Mortgage

Assumed @ 4.92%
$3,502/mo
Traditional @ 7.5%
$4,612/mo
You save $1,110/month ($13,322/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250022314SD

Listing From:

Last updated: 2025-04-03T13:00:16.000Z

© , 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

4.92%
7.15%

Principal & Interest

$3,502 /mo
$4,446 /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 $216,249 (25%)
You can enter any amount below - secondary financing will cover the difference if needed.
25%
$

You cover the entire equity of $216,249!

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

Loan Breakdown

Assumed Mortgage4.92% Sellers Rate
$632,751
Your Cash$216,249
Total Purchase Price:$849,000

Assumed vs Traditional Mortgage

Assumed @ 4.92%
$3,502/mo
Traditional @ 7.5%
$4,612/mo
You save $1,110/month ($13,322/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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