Dan Kaercher

Dan Kaercher

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Closed

$794,900

($107,595 down)
FHA

15808 Thomas Paine Dr, Ramona, CA 92065

3
2
1,900 sqft
PITI Monthly
$4,939.61 /mo

Listing courtesy of: Luke Chece, Compass

Assumed Rate

6.11%
7.15%

Principal & Interest

$4,229 /mo
$4,709 /mo

What's Special

MINUTES AWAY
DINING
SPACIOUS
DECK
MOUNTAIN VIEWS
CHARMING

This charming home is located on the highly desirable west end of Ramona, just minutes away from Poway. Situated on a quiet, private street, the property boasts a 1.2-acre flat, Opportunity awaits as this usable lot offers plenty of room for an income producing ADU, Granny flat, workshop or all your toys. Surrounded by trees, distant mountain views, and fresh air, the home also features a detached workshop with an attached carport. The large wrap-around deck is perfect for entertaining or simply enjoying the peaceful beauty of the trees and mountains. Inside, the home has 2 bedrooms upstairs, sharing a Jack and Jill bathroom, while a 3rd bedroom and an office/4th bedroom are located on the first floor. The spacious great room, combining living and dining areas, showcases tall ceilings that add to the openness and charm of the home. You won't find another home in Ramona that is closer to San Diego on an acre+ at this value!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.11
Remaining Loan Term
28 years, 7 months
Monthly PITI
$4,939.61/mo
Estimated Loan Balance
$688,031
Cash to close
$107,595
Interest Paid
$59,861

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: WallWindowUnits
  • Heating: SeeRemarks
Features
  • Materials: WoodSiding
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Composition
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: Yes
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • WoodSiding
  • Roof: Composition
Condition
  • Year Built: 1986
Details
  • Builder:

Community & HOA

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

Financial Details

  • Price per Sqft: $418.37
  • Tax Annual Amount: $9936.25
  • On Market Date: 2025-01-07T00:00:00.000Z
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 $107,595 (14%)
You can enter any amount below - secondary financing will cover the difference if needed.
14%
$

You cover the entire equity of $107,595!

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

Loan Breakdown

Assumed Mortgage6.11% Sellers Rate
$687,305
Your Cash$107,595
Total Purchase Price:$794,900

Assumed vs Traditional Mortgage

Assumed @ 6.11%
$4,229/mo
Traditional @ 7.5%
$4,710/mo
You save $481/month ($5,767/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250000574SD

Listing From:

Last updated: 2025-03-04T18:46:51.000Z

© , 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

6.11%
7.15%

Principal & Interest

$4,229 /mo
$4,709 /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 $107,595 (14%)
You can enter any amount below - secondary financing will cover the difference if needed.
14%
$

You cover the entire equity of $107,595!

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

Loan Breakdown

Assumed Mortgage6.11% Sellers Rate
$687,305
Your Cash$107,595
Total Purchase Price:$794,900

Assumed vs Traditional Mortgage

Assumed @ 6.11%
$4,229/mo
Traditional @ 7.5%
$4,710/mo
You save $481/month ($5,767/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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