Dan Kaercher

Dan Kaercher

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Closed

$935,000

($429,367 down)
VA

345 Monte Vista Way, Oceanside, CA 92057

4
3
1,860 sqft
PITI Monthly
$2,540.12 /mo

Listing courtesy of: Jake Smoke, Real Broker

Assumed Rate

3.08%
7.15%

Principal & Interest

$2,323 /mo
$3,684 /mo

What's Special

REMODELED
LOCATION
GATED COMMUNITY
MOVE-IN READY
MODERN
LUXURY
GRANITE COUNTERTOPS
PATIO
PET-FRIENDLY
EFFICIENT

Welcome to 345 Monte Vista Way, a stunning home located in the prestigious gated community of River Ranch in Oceanside! This beautifully upgraded property offers the perfect blend of modern conveniences, outdoor living, and energy efficiency. Enjoy paid-off solar, newer air conditioning, and a new water heater—making this home as efficient as it is gorgeous. Step into the remodeled kitchen, where granite countertops, a custom-made island, and a new Bosch dishwasher create the ideal space for cooking and entertaining. With ceramic tile flooring on the main level and new luxury vinyl plank flooring upstairs, the interior is both stylish and durable. Freshly painted inside and out, this home is truly move-in ready. The outdoor space is an entertainer's dream, featuring a stamped concrete patio, a maintenance-free alumawood patio cover, and pet-friendly turf in the backyard—perfect for pets or kids to play. For those who love fresh fruit, you'll find mature avocado, blood orange, and lemon trees. The front yard also boasts turf for easy upkeep, and a widened driveway and retaining wall add extra space and functionality. Additional upgrades include new interior door hardware, gutters, and a Ring smart doorbell paired with an ADT Pulse security system with outside cameras for peace of mind. Location is everything, and this home offers it all! Situated near excellent schools and just steps from the San Luis Rey Bicycle Path, it’s also just a short drive to the beach. Oceanside is a thriving coastal community known for its relaxed vibe, picturesque beaches, and vibrant downtown area. Whether you're enjoying the local shops and restaurants or soaking up the sun by the pier, you’ll love living in one of Southern California's most desirable cities. This home combines luxury, efficiency, and style, all within the quiet and exclusive community of River Ranch. Don’t miss your chance to make this beautiful house your forever home!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.08
Remaining Loan Term
26 years, 1 months
Monthly PITI
$2,540.12/mo
Estimated Loan Balance
$508,695
Cash to close
$429,367
Interest Paid
$63,142

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir, Gas, SeeRemarks
  • Heating: Central, ForcedAir
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom, Gas
  • Flooring: Tile, Vinyl

Exterior

Fencing
  • Fencing: Wood
Roof
  • Roof: SpanishTile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Community, Fenced, ElectricHeat, Heated, Private, SolarHeat, Association

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: SpanishTile
Condition
  • Year Built: 2003
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Biking, Curbs, DogPark, Park, StreetLights, Sidewalks, Gated, Pool
HOA
  • Has HOA: Yes
  • HOA Name: River Ranch HOA
  • HOA Amenities: Unknown
  • HOA Fee: $130
  • HOA Frequency: $Monthly
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $502.69
  • Tax Annual Amount: $
  • On Market Date: 2024-10-11T00:00:00.000Z
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 $429,367 (46%)
You can enter any amount below - secondary financing will cover the difference if needed.
46%
$

You cover the entire equity of $429,367!

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

Loan Breakdown

Assumed Mortgage3.08% Sellers Rate
$505,633
Your Cash$429,367
Total Purchase Price:$935,000

Assumed vs Traditional Mortgage

Assumed @ 3.08%
$2,323/mo
Traditional @ 7.5%
$3,822/mo
You save $1,498/month ($17,979/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2409163

Listing From:

Last updated: 2025-01-14T02:16:32.000Z

© , 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

3.08%
7.15%

Principal & Interest

$2,323 /mo
$3,684 /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 $429,367 (46%)
You can enter any amount below - secondary financing will cover the difference if needed.
46%
$

You cover the entire equity of $429,367!

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

Loan Breakdown

Assumed Mortgage3.08% Sellers Rate
$505,633
Your Cash$429,367
Total Purchase Price:$935,000

Assumed vs Traditional Mortgage

Assumed @ 3.08%
$2,323/mo
Traditional @ 7.5%
$3,822/mo
You save $1,498/month ($17,979/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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