Dan Kaercher

Dan Kaercher

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$630,000

($110,647 down)
FHA

16064 W Montana De Oro Drive, Surprise, AZ 85387

4
3
2,354 sqft
PITI Monthly
$3,885.07 /mo

Listing courtesy of: Brandon Howe, Howe Realty

Assumed Rate

6.43%
7.15%

Principal & Interest

$3,326 /mo
$3,580 /mo

What's Special

SPACIOUS
MOVE-IN READY
MODERN
STAINLESS STEEL APPLIANCES
LANDSCAPED
EFFICIENT

This stunning, modern 4-bedroom, 3-bathroom home with a spacious 4-car garage is move-in ready with impeccable designer finishes. This home boasts a gourmet kitchen featuring stainless steel appliances—including a gas cooktop and refrigerator—white shaker cabinets, a stylish tile backsplash, and elegant pendant lighting above a generous island. The open-concept living space is enhanced by large plank tile flooring, 10' ceilings, 8' interior doors, and expansive 16' atrium doors that flood the home with natural light. Additional upgrades include window blinds, ceiling fans in every room, a luxurious spa shower in the primary suite, and a garage service door. A tankless water heater, soft water system, and reverse osmosis system provide efficiency and convenience. Outside, enjoy a landscaped front yard, a paver driveway and porch, and the privacy of being surrounded by all single-level homes. The community offers tree-lined streets, scenic hiking trails, an aquatic center, pickleball and basketball courts, and more. Plus, this energy-efficient home is Energy Star and Indoor Air Plus certified for superior comfort and air quality. Don't miss out on this exceptional property!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.43
Remaining Loan Term
28 years, 3 months
Monthly PITI
$3,885.07/mo
Estimated Loan Balance
$520,966
Cash to close
$110,647
Interest Paid
$59,086

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Central Air, Ceiling Fan(s), ENERGY STAR Qualified Equipment, Programmable Thmstat
  • Heating: Natural Gas
Features
  • Materials: EIFS Synthetic Stcco, Wood Frame, Low VOC Paint, Blown Cellulose, Brick Veneer, Painted
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Carpet, Wood

Exterior

Fencing
  • Fencing: Block
Roof
  • Roof: Tile
Parking
  • Garage: Yes
  • Garage Spaces: 4
  • Carport: Yes
  • Carport Spaces: 4
Water
  • Sewer: Public Sewer
  • Water Source: City Water
Pool
  • Has Pool: Yes
  • Pool Features: Diving Pool, Private

Construction

Type & Style
  • Stories: 1
  • Home type: Single Family Residence
  • Architectural Style:
Materials
  • EIFS Synthetic Stcco, Wood Frame, Low VOC Paint, Blown Cellulose, Brick Veneer, Painted
  • Roof: Tile
Condition
  • Year Built: 2022
Details
  • Builder: Fulton Homes

Community & HOA

Community
  • Subdivision: Escalante
  • Features: Pickleball, Community Pool, Playground, Biking/Walking Path
HOA
  • Has HOA: Yes
  • HOA Name: Escalante Homeowners
  • HOA Amenities: Unknown
  • HOA Fee: $417
  • HOA Frequency: $Quarterly
Location
  • Region: Surprise

Financial Details

  • Price per Sqft: $267.63
  • Tax Annual Amount: $1789
  • On Market Date: 2025-03-31T19:20:12.000Z
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 $110,647 (18%)
You can enter any amount below - secondary financing will cover the difference if needed.
18%
$

You cover the entire equity of $110,647!

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

Loan Breakdown

Assumed Mortgage6.43% Sellers Rate
$519,353
Your Cash$110,647
Total Purchase Price:$630,000

Assumed vs Traditional Mortgage

Assumed @ 6.43%
$3,326/mo
Traditional @ 7.5%
$3,714/mo
You save $388/month ($4,651/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 6843612

Listing From: Arizona Regional Multiple Listing Service (ARMLS)

Last updated: 2025-03-31T21:28:27.000Z

© , Arizona Regional Multiple Listing Service (ARMLS). 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

6.43%
7.15%

Principal & Interest

$3,326 /mo
$3,580 /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 $110,647 (18%)
You can enter any amount below - secondary financing will cover the difference if needed.
18%
$

You cover the entire equity of $110,647!

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

Loan Breakdown

Assumed Mortgage6.43% Sellers Rate
$519,353
Your Cash$110,647
Total Purchase Price:$630,000

Assumed vs Traditional Mortgage

Assumed @ 6.43%
$3,326/mo
Traditional @ 7.5%
$3,714/mo
You save $388/month ($4,651/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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