Dan Kaercher

Dan Kaercher

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$1,250,000

($181,580 down)
VA

649 Mosaic Cir, Oceanside, CA 92057

4
3
2,254 sqft
PITI Monthly
$6,536.71 /mo

Listing courtesy of: Jeffrey Nix, Redfin Corporation

Assumed Rate

3.21%
7.15%

Principal & Interest

$4,935 /mo
$7,697 /mo

What's Special

REMODELED
SHOPPING
DINING
SPACIOUS
RENOVATED
HIGH-END FINISHES
HOME OFFICE
PRIVATE BACKYARD
CUL-DE-SAC
LOW HOA FEES

Fully renovated from top to bottom with approximately $300k in high-end finishes by the owners, this bright and spacious Rancho del Oro home nestled upon a peaceful cul-de-sac awaits! Bathed in natural light throughout, enjoy a warm and inviting atmosphere. The first floor features a beautifully remodeled kitchen with sleek quartz countertops, a large family room, and formal dining and living rooms perfect for both casual living and entertaining. A full bedroom and bath with walk-in shower on the main level are ideal for guests or as a convenient home office. Plus, the fully updated indoor laundry room adds an extra touch of convenience. Upstairs, the expansive primary suite offers a tranquil retreat, while two additional bedrooms and a full bath provide ample space for family or guests. The large, private backyard is perfect for entertaining or enjoying San Diego’s beautiful weather, offering plenty of space for outdoor activities. Additional features include solar power, air conditioning, a whole house fan, and a 3-car attached garage for ample storage. With low HOA fees and close proximity to top schools, Guajome Regional Park, shopping, and freeways, this home offers the ideal blend of comfort, convenience, and quality living. Enjoy being less than 20 minutes from the ocean for year-round outdoor enjoyment. As an added bonus a VA-qualified buyer could assume the existing low VA interest rate! Don’t miss out on this exceptional opportunity!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.21
Remaining Loan Term
27 years, 0 months
Monthly PITI
$6,536.71/mo
Estimated Loan Balance
$1,072,560
Cash to close
$181,580
Interest Paid
$106,466

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir, Gas, WholeHouseFan
  • Heating: ForcedAir, Fireplaces, NaturalGas
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom
  • Flooring: Laminate, Tile

Exterior

Fencing
  • Fencing: GoodCondition
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Community

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Unknown
Condition
  • Year Built: 1992
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Oceanside
  • Features: Pool
HOA
  • Has HOA: Yes
  • HOA Name: Villages of Rancho del Or
  • HOA Amenities: Unknown
  • HOA Fee: $142
  • HOA Frequency: $Monthly
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $554.57
  • Tax Annual Amount: $15625
  • On Market Date: 2025-03-13T00:00:00.000Z
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 $181,580 (15%)
You can enter any amount below - secondary financing will cover the difference if needed.
15%
$

You cover the entire equity of $181,580!

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

Loan Breakdown

Assumed Mortgage3.21% Sellers Rate
$1,068,420
Your Cash$181,580
Total Purchase Price:$1,250,000

Assumed vs Traditional Mortgage

Assumed @ 3.21%
$4,935/mo
Traditional @ 7.5%
$7,984/mo
You save $3,049/month ($36,591/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250020684SD

Listing From:

Last updated: 2025-03-25T23:05:44.000Z

© , 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

3.21%
7.15%

Principal & Interest

$4,935 /mo
$7,697 /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 $181,580 (15%)
You can enter any amount below - secondary financing will cover the difference if needed.
15%
$

You cover the entire equity of $181,580!

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

Loan Breakdown

Assumed Mortgage3.21% Sellers Rate
$1,068,420
Your Cash$181,580
Total Purchase Price:$1,250,000

Assumed vs Traditional Mortgage

Assumed @ 3.21%
$4,935/mo
Traditional @ 7.5%
$7,984/mo
You save $3,049/month ($36,591/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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