Dan Kaercher

Dan Kaercher

Property SearchContact
primary-1
primary-2primary-3
Active

$1,500,000

($329,300 down)
VA

16390 Whispering Oaks Dr, Ramona, CA 92065

6
4
3,801 sqft
PITI Monthly
$8,946.07 /mo

Listing courtesy of: Joseph Arendsen, Compass

Assumed Rate

5.84%
7.15%

Principal & Interest

$7,084 /mo
$8,119 /mo

What's Special

SERENE
SPACIOUS
LUXURY
HOME OFFICE
DECK
MOUNTAIN VIEWS

This private oasis in West Ramona offers the perfect blend of luxury and nature, just minutes from Iron Mountain and Mt. Woodson's Potato Chip Rock. The main residence features 5 bedrooms and 3 bathrooms, with a convenient primary bedroom on the main level and a single private bedroom with ensuite located exclusively on the second level. A fully-equipped 1-bedroom, 1-bathroom tiny home provides a private retreat with its own kitchen and living space, ideal for multi-generational living or a home office. The home features a chef's kitchen, spacious living areas, and breathtaking mountain views. The outdoor space includes a pool, entertainer's deck, and ample room for outdoor activities. Recent upgrades include fully owned solar, two electric car chargers on their own panels in the garage, new HVAC, new pool equipment, and fenced in yard. Established private residence predates surrounding gated development—enjoys community security benefits and privacy without HOA fees or restrictions due to grandfathered status. Enjoy daily wildlife visits and magical sunset views in this serene and private setting. This is a rare opportunity to own a piece of paradise.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
5.84
Remaining Loan Term
28 years, 0 months
Monthly PITI
$8,946.07/mo
Estimated Loan Balance
$1,173,450
Cash to close
$329,300
Interest Paid
$138,678

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 6
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Electric, ForcedAir
Features
  • Materials: LapSiding
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom, PrimaryBedroom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Partial
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: InGround

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Ranch
Materials
  • LapSiding
  • Roof: Unknown
Condition
  • Year Built: 1984
Details
  • Builder:

Community & HOA

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

Financial Details

  • Price per Sqft: $394.63
  • Tax Annual Amount: $18750
  • On Market Date: 2025-03-17T00:00:00.000Z
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 $329,300 (22%)
You can enter any amount below - secondary financing will cover the difference if needed.
22%
$

You cover the entire equity of $329,300!

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

Loan Breakdown

Assumed Mortgage5.84% Sellers Rate
$1,170,700
Your Cash$329,300
Total Purchase Price:$1,500,000

Assumed vs Traditional Mortgage

Assumed @ 5.84%
$7,084/mo
Traditional @ 7.5%
$8,421/mo
You save $1,338/month ($16,052/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250021727SD

Listing From:

Last updated: 2025-04-03T03:52:05.000Z

© , 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

5.84%
7.15%

Principal & Interest

$7,084 /mo
$8,119 /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 $329,300 (22%)
You can enter any amount below - secondary financing will cover the difference if needed.
22%
$

You cover the entire equity of $329,300!

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

Loan Breakdown

Assumed Mortgage5.84% Sellers Rate
$1,170,700
Your Cash$329,300
Total Purchase Price:$1,500,000

Assumed vs Traditional Mortgage

Assumed @ 5.84%
$7,084/mo
Traditional @ 7.5%
$8,421/mo
You save $1,338/month ($16,052/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

Powered By UMe.

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than Your Home Sold Guaranteed Realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

equal-housing

Your Home Sold Guaranteed Realty © is committed to and abides by the Fair Housing Act of Equal Opportunity.