Dan Kaercher

Dan Kaercher

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Pending

$745,000

($508,051 down)
FHA

2446 Kelly Avenue, Ramona, CA 92065

3
2
1,546 sqft
PITI Monthly
$2,642.42 /mo

Listing courtesy of: Marci Morgan, Judson Real Estate

Assumed Rate

3.67%
7.15%

Principal & Interest

$1,380 /mo
$2,032 /mo

What's Special

REMODELED
SHOPPING
DINING
SPACIOUS
HOME OFFICE
CHARMING
SOLAR PANELS
MOTIVATED SELLER

WOW! Priced below any other comparable properties. New price and motivated sellers. Now is your chance if this one has been on your radar. This centrally Located Ramona home comes with bonus living space & a huge workshop! Charming and well-maintained, this 3-bedroom, 2-bathroom home offers not only comfort but versatility, with an additional bonus room—perfect for a home office, den, or playroom—plus another flexible space recently used as a 4th bedroom! Step into the beautiful bright and sunny kitchen, designed for both function and connection, as it opens seamlessly to the dining and living areas. Pullout drawers in every cabinet make cooking a breeze, so you can stay organized and still be part of the family fun. The hallway features open shelving, adding character and extra storage, while all the spacious bedrooms have been freshly painted for a crisp, updated look. The guest bathroom, remodeled with stylish custom tile and designer paint, adds an extra touch of elegance. Love outdoor space? The expansive backyard offers endless possibilities—whether you dream of having a garden, space for animals, or even a pool! Need a workshop or garage space? You’ll be blown away by the massive 24’x40’x11’ Quonset Hut/Workshop in the back—perfect for projects, storage, or your dream workspace. There’s also RV parking on the side and plenty of room for vehicles with a two-car garage plus additional parking in front. And let’s talk efficiency—20 solar panels (6KW) power this home for just $159/month, keeping energy costs low. Plus, a 12KW Kohler automatic backup generator ensures you’ll never be left in the dark—if the power goes out, your home automatically stays up and running! Conveniently located just off Highway 67, commuting is a breeze, and you're just minutes from shopping, dining, and everything in-town Ramona has to offer. Don’t miss out on this incredible home—schedule a showing today!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.67
Remaining Loan Term
20 years, 2 months
Monthly PITI
$2,642.42/mo
Estimated Loan Balance
$239,548
Cash to close
$508,051
Interest Paid
$97,603

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: FamilyRoom, None
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
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: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1961
Details
  • Builder:

Community & HOA

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

Financial Details

  • Price per Sqft: $481.89
  • Tax Annual Amount: $9312.5
  • On Market Date: 2025-01-31T00:00:00.000Z
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 $508,051 (68%)
You can enter any amount below - secondary financing will cover the difference if needed.
68%
$

You cover the entire equity of $508,051!

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

Loan Breakdown

Assumed Mortgage3.67% Sellers Rate
$236,949
Your Cash:$508,051
Total Purchase Price:$745,000

Assumed vs Traditional Mortgage

Assumed @ 3.67%
$1,380/mo
Traditional @ 7.5%
$2,107/mo
You save $728/month ($8,736/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2500688

Listing From:

Last updated: 2025-03-14T22:43:23.000Z

© , 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

3.67%
7.15%

Principal & Interest

$1,380 /mo
$2,032 /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 $508,051 (68%)
You can enter any amount below - secondary financing will cover the difference if needed.
68%
$

You cover the entire equity of $508,051!

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

Loan Breakdown

Assumed Mortgage3.67% Sellers Rate
$236,949
Your Cash:$508,051
Total Purchase Price:$745,000

Assumed vs Traditional Mortgage

Assumed @ 3.67%
$1,380/mo
Traditional @ 7.5%
$2,107/mo
You save $728/month ($8,736/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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