Dan Kaercher

Dan Kaercher

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Closed

$630,000

($400,609 down)
VA

442 F Street, Ramona, CA 92065

3
2
1,120 sqft
PITI Monthly
$1,950.81 /mo

Listing courtesy of: Odette Pennington, HomeSmart Realty West

Assumed Rate

3.45%
7.15%

Principal & Interest

$1,128 /mo
$1,707 /mo

What's Special

FRESH PAINT
SPACIOUS
FIREPLACE
CHARMING
COZY

Fantastic opportunity for first-time buyers! This charming 3-bedroom, 2-bathroom home sits back from the street on a fully fenced lot with spacious, private front and back yards. There's ample room for RV parking and outdoor gear. Inside, the cozy living room features a wood-burning fireplace, and the kitchen offers plenty of cabinet space with tile flooring. The laundry room, with washer/dryer hookups, is conveniently located off the kitchen with garage W/D hookups as an option. Brand new light fixtures in both bathrooms, the laundry room and hallway. This home is equipped with newer updated dual-pane windows featuring a heat-protective film, along with newer dual-pane sliding doors in both the primary and secondary bedrooms offering access to the backyard. The exterior has recently been touched up with fresh paint as well as the interior and there’s a whole-house attic fan to keep things cool. Durable pavers, backed by a 25-year warranty, enhance the front porch and second driveway. An attached, drywalled storage room off the two-car garage offers additional storage, and the lot provides plenty of room for a potential ADU. There's a 10X10 metal shed, barely a year old on a raised foundation in the backyard for extra storage. A mature orange tree that produces year round and mature grape vine that produces sweet green grapes in the summer. As well as a juvenile pink lemonade lemon tree and a large oak tree out front offering plenty of shade. Conveniently located near town, schools, and just a block from Collier Park!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.45
Remaining Loan Term
25 years, 1 months
Monthly PITI
$1,950.81/mo
Estimated Loan Balance
$359,858
Cash to close
$400,609
Interest Paid
$40,795

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: WholeHouseFan, AtticFan
  • Heating: Central, Electric, ForcedAir, Fireplaces, Propane
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom, WoodBurning
  • Flooring: Laminate, Tile

Exterior

Fencing
  • Fencing: Wood
Roof
  • Roof: Asphalt
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Asphalt
Condition
  • Year Built: 1974
Details
  • Builder:

Community & HOA

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

Financial Details

  • Price per Sqft: $562.5
  • Tax Annual Amount: $7875
  • On Market Date: 2024-11-25T00:00:00.000Z
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.

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Savings Calculator

Current cash to close is $400,609 (64%)
You can enter any amount below - secondary financing will cover the difference if needed.
64%
$

You cover the entire equity of $400,609!

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

Loan Breakdown

Assumed Mortgage3.45% Sellers Rate
$229,391
Your Cash:$400,609
Total Purchase Price:$630,000

Assumed vs Traditional Mortgage

Assumed @ 3.45%
$1,128/mo
Traditional @ 7.5%
$1,771/mo
You save $643/month ($7,715/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2409722

Listing From:

Last updated: 2024-12-19T06:01:47.000Z

© , 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

3.45%
7.15%

Principal & Interest

$1,128 /mo
$1,707 /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 $400,609 (64%)
You can enter any amount below - secondary financing will cover the difference if needed.
64%
$

You cover the entire equity of $400,609!

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

Loan Breakdown

Assumed Mortgage3.45% Sellers Rate
$229,391
Your Cash:$400,609
Total Purchase Price:$630,000

Assumed vs Traditional Mortgage

Assumed @ 3.45%
$1,128/mo
Traditional @ 7.5%
$1,771/mo
You save $643/month ($7,715/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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