Dan Kaercher

Dan Kaercher

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$255,000

($29,724 down)
FHA

925 45th Avenue NE, Saint Cloud, MN 56304

4
4
2,175 sqft
PITI Monthly
$1,559.28 /mo

Listing courtesy of: , RE/MAX Results

Assumed Rate

3.1%
7.15%

Principal & Interest

$1,023 /mo
$1,618 /mo

What's Special

DINING
SPACIOUS
MOVE-IN READY
FIREPLACE
WALK-IN CLOSET
PATIO
BALCONY
COZY

Beautifully maintained and move-in ready, this 4-bedroom, 4-bathroom townhome is located in the sought-after Waters Edge at Donovan Lakes community. The main level welcomes you with an open floor plan featuring a spacious entryway and coat closet. The upgraded kitchen includes a two-tier center island with a breakfast bar, sleek flat-panel cabinets, and a seamless flow to the bright dining room, which walks out to the balcony overlooking the backyard—perfect for enjoying quiet moments with no neighbors behind! The bright and open cozy living room offers a gas fireplace, creating a warm and inviting space. The upper level boasts 3 bedrooms on the same floor, including a primary suite with a private bathroom and walk-in closet. An additional full bathroom and a convenient laundry room with a large wash tub complete the upstairs. The lower level surprises with a larger-than-expected walkout family room featuring a patio door that opens to a private patio area, as well as a fourth bedroom and another full bathroom. The 2-stall attached and insulated garage adds convenience, and being part of an association means snow removal and lawn care are taken care of for you. This home offers space, style, and a maintenance-free lifestyle—don’t miss it!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.1
Remaining Loan Term
26 years, 10 months
Monthly PITI
$1,559.28/mo
Estimated Loan Balance
$239,846
Cash to close
$29,724
Interest Paid
$22,765

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 4
Cooling & Heating
  • Cooling: Central Air
  • Heating: Forced Air, Fireplace(s)
Features
  • Materials: Brick/Stone, Vinyl Siding
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Gas, Living Room
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Asphalt
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Townhouse Side x Side
  • Architectural Style: Unknown
Materials
  • Brick/Stone, Vinyl Siding
  • Roof: Asphalt
Condition
  • Year Built: 2006
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Waters Edge At Don Lake 3rd Add
  • Features: None
HOA
  • Has HOA: Yes
  • HOA Name: Donovan Lakes Homeowners Association
  • HOA Amenities: Unknown
  • HOA Fee: $201
  • HOA Frequency: $Monthly
Location
  • Region: Saint Cloud

Financial Details

  • Price per Sqft: $117.24
  • Tax Annual Amount: $2596
  • On Market Date: 2024-12-19T00:00:00.000Z
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 $29,724 (12%)
You can enter any amount below - secondary financing will cover the difference if needed.
12%
$

You cover the entire equity of $29,724!

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

Loan Breakdown

Assumed Mortgage3.1% Sellers Rate
$225,276
Your Cash$29,724
Total Purchase Price:$255,000

Assumed vs Traditional Mortgage

Assumed @ 3.1%
$1,023/mo
Traditional @ 7.5%
$1,679/mo
You save $656/month ($7,866/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6641728

Listing From: northstar

Last updated: 2025-02-25T22:22:02.000Z

© , northstar. 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

3.1%
7.15%

Principal & Interest

$1,023 /mo
$1,618 /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 $29,724 (12%)
You can enter any amount below - secondary financing will cover the difference if needed.
12%
$

You cover the entire equity of $29,724!

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

Loan Breakdown

Assumed Mortgage3.1% Sellers Rate
$225,276
Your Cash$29,724
Total Purchase Price:$255,000

Assumed vs Traditional Mortgage

Assumed @ 3.1%
$1,023/mo
Traditional @ 7.5%
$1,679/mo
You save $656/month ($7,866/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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