Dan Kaercher

Dan Kaercher

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$435,000

($240,817 down)
FHA

7715 Irwin Avenue, Palermo, CA 95968

4
3
2,500 sqft
PITI Monthly
$1,755.09 /mo

Listing courtesy of: Sierra Haskins, LPT Realty

Assumed Rate

3.62%
7.15%

Principal & Interest

$997 /mo
$1,478 /mo

What's Special

INVESTORS
SPACIOUS
COZY
RENTAL INCOME
SECOND HOME

Two Homes on One Lot – Ideal for Multigenerational Living! This rare and versatile property offers two separate homes on a spacious ½-acre lot—perfect for extended family, rental income, or extra space to spread out, garden, or start a little homestead! The first home is a cozy 2-bedroom, 1-bath single-family residence with approx. 1,100 sq ft and a bonus office area—ideal for remote work or hobbies. Just across the lot, the second home is a more spacious 2-bedroom, 2-bath manufactured home with its own dedicated office space, and is approx. 1,400 sq ft. It sits on a permanent foundation, making it fully lendable and financing-friendly! Between the two homes sits a large detached garage—great for parking, storage, or even a workshop setup. The manufactured home has solar and features new laminate flooring, and both homes (plus the garage) have fresh exterior paint, giving the property an updated, clean feel. Located within walking distance to the local park and elementary school, this property is a great fit for families with kids, investors looking for a smart opportunity, or anyone hoping to keep loved ones close with space for everyone. The expansive lot provides plenty of room to garden, play, or enjoy the outdoors. Would be perfect for a pool too! Make an appointment with your favorite Realtor to see it today!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.62
Remaining Loan Term
24 years, 6 months
Monthly PITI
$1,755.09/mo
Estimated Loan Balance
$195,410
Cash to close
$240,817
Interest Paid
$41,227

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: WallFurnace
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Carpet, Laminate

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: SharedSeptic
  • Water Source: SharedWell
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: 1946
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Biking, Hiking
HOA
  • Has HOA: No
Location
  • Region: Palermo

Financial Details

  • Price per Sqft: $174
  • Tax Annual Amount: $5437.5
  • On Market Date: 2025-03-26T00:00:00.000Z
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 $240,817 (55%)
You can enter any amount below - secondary financing will cover the difference if needed.
55%
$

You cover the entire equity of $240,817!

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

Loan Breakdown

Assumed Mortgage3.62% Sellers Rate
$194,183
Your Cash:$240,817
Total Purchase Price:$435,000

Assumed vs Traditional Mortgage

Assumed @ 3.62%
$997/mo
Traditional @ 7.5%
$1,533/mo
You save $536/month ($6,427/year)

*Secondary financing rates are an estimated value based on input

MLS ID: SN25057399

Listing From:

Last updated: 2025-03-31T21:02:55.000Z

© , 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

3.62%
7.15%

Principal & Interest

$997 /mo
$1,478 /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 $240,817 (55%)
You can enter any amount below - secondary financing will cover the difference if needed.
55%
$

You cover the entire equity of $240,817!

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

Loan Breakdown

Assumed Mortgage3.62% Sellers Rate
$194,183
Your Cash:$240,817
Total Purchase Price:$435,000

Assumed vs Traditional Mortgage

Assumed @ 3.62%
$997/mo
Traditional @ 7.5%
$1,533/mo
You save $536/month ($6,427/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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