Dan Kaercher

Dan Kaercher

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$326,250

($36,002 down)
FHA

600 N Spruce Circle, Payson, AZ 85541

2
2
1,456 sqft
PITI Monthly
$2,543 /mo

Listing courtesy of: Kimberly Anderson, Realty Executives Arizona Territory

Assumed Rate

7.62%
7.15%

Principal & Interest

$2,077 /mo
$1,983 /mo

What's Special

SPACIOUS
BREAKFAST NOOK
VAULTED CEILINGS
WALK-IN CLOSET
MASTER SUITE
HOME OFFICE
DECK
PATIO
LANDSCAPED
CUL-DE-SAC
CHARMING
COZY
AFFORDABLE

Welcome to this charming home on a spacious cul-de-sac lot, complete with a brand-new roof installed in October 2023! This inviting 2 bedroom, 2 bathroom home offers not only a cozy living space but also an abundance of outdoor features. You'll love the one-car garage, two storage sheds, and beautifully landscaped yard, perfect for enjoying the outdoors. Step inside to a bright and airy living room featuring vaulted ceilings and laminate wood floors. On cooler Payson evenings, the pellet stove adds extra warmth and charm while keeping heating costs affordable. The kitchen has plenty of counter space, a kitchen island, a breakfast nook, and a spacious pantry for all your cooking essentials. The master suite is complete with a large walk-in closet, a garden tub, double sinks, and a walk-in shower. Plus, there's even a cozy sitting area that could easily be transformed into a home office or reading nook. Step outside into the fenced backyard, where you'll find a covered deck and two separate patio areas, perfect for entertaining or relaxing while soaking in the beautiful Payson weather. The lovely landscaping makes this space feel like your own private oasis. Don't miss your chance to call this wonderful home yours!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
7.62
Remaining Loan Term
28 years, 8 months
Monthly PITI
$2,543/mo
Estimated Loan Balance
$291,169
Cash to close
$36,002
Interest Paid
$29,661

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 2
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Ceiling Fan(s), Evaporative Cooling, Window/Wall Unit
  • Heating: Ceiling, Propane
Features
  • Materials: Painted, Siding, Frame - Wood
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: 1 Fireplace, Living Room
  • Flooring: Carpet, Laminate, Linoleum

Exterior

Fencing
  • Fencing: Chain Link
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: Yes
  • Carport Spaces: 1
Water
  • Sewer: Public Sewer
  • Water Source: City Water
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: Mfg/Mobile Housing
  • Architectural Style:
Materials
  • Painted, Siding, Frame - Wood
  • Roof: Composition
Condition
  • Year Built: 2003
Details
  • Builder: unk

Community & HOA

Community
  • Subdivision: Payson North Unit 5
  • Features:
HOA
  • Has HOA: No
Location
  • Region: Payson

Financial Details

  • Price per Sqft: $224.07
  • Tax Annual Amount: $1297
  • On Market Date: 2025-02-03T21:10:06.000Z
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 $36,002 (11%)
You can enter any amount below - secondary financing will cover the difference if needed.
11%
$

You cover the entire equity of $36,002!

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

Loan Breakdown

Assumed Mortgage7.62% Sellers Rate
$290,248
Your Cash$36,002
Total Purchase Price:$326,250

Assumed vs Traditional Mortgage

Assumed @ 7.62%
$2,077/mo
Traditional @ 7.5%
$1,983/mo
You save $-94/month ($-1,123/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 6814904

Listing From: Arizona Regional Multiple Listing Service (ARMLS)

Last updated: 2025-02-20T15:45:19.000Z

© , 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

7.62%
7.15%

Principal & Interest

$2,077 /mo
$1,983 /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 $36,002 (11%)
You can enter any amount below - secondary financing will cover the difference if needed.
11%
$

You cover the entire equity of $36,002!

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

Loan Breakdown

Assumed Mortgage7.62% Sellers Rate
$290,248
Your Cash$36,002
Total Purchase Price:$326,250

Assumed vs Traditional Mortgage

Assumed @ 7.62%
$2,077/mo
Traditional @ 7.5%
$1,983/mo
You save $-94/month ($-1,123/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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