Laura Jewett

Laura Jewett

Property SearchContact
primary-1
primary-2primary-3
Under Contract

$675,000

($73,680 down)
FHA

12490 Kearney Circle, Thornton, CO 80602

4
3
2,938 sqft
PITI Monthly
$4,387.04 /mo

Listing courtesy of: Leigha Copley, Real Broker, LLC DBA Real

Assumed Rate

5.22%
7.15%

Principal & Interest

$3,431 /mo
$4,211 /mo

What's Special

SERENE
SHOPPING
DINING
SPACIOUS
STAINLESS STEEL APPLIANCES
FIREPLACE
DECK
COZY

Welcome to your dream home at 12490 Kearney Street, nestled in Thornton's beautiful Sage Creek community! This lovely home features a three-car garage, an expansive 14,809 square-foot lot, and a spacious backyard. The backyard features a large deck perfect for summer barbecues and seamlessly opens up to a walking path and serene greenbelt. Imagine enjoying your days surrounded by nature in your own private garden, with various perennials such as grapes, raspberries, blueberries, roses, and fragrant lavender. The landscape is adorned with newly planted vibrant trees, including peach, four varieties of apples, apricots, and beautiful wisteria, creating a tranquil outdoor retreat ideal for relaxation and entertaining. Inside, this home offers four spacious bedrooms and three bathrooms within an impressive 4,415 total square feet of space. You’ll be captivated by the cozy gas fireplace and the abundance of natural light that fills every corner of the home. High ceilings, a cozy loft, and an extra sitting room provide perfect spaces for unwinding or gathering with loved ones. The kitchen conveniently opens to the living room and features newer stainless steel appliances, ample cabinetry, and an island for meal prep. The basement is unfinished and ready for your personal touch, offering endless possibilities for creativity. It comes equipped with rough-in plumbing, a new electrical panel, framing for a bedroom and storage space, and a brand-new sump pump for peace of mind. Additionally, with a new roof installed in late 2024 and all-new downspouts, this home offers comfort and reliability for years to come. The Sage Creek community provides easy access to I-25 and Highway 85. It is also a short distance to Riverdale Dunes Golf Course, the Denver Outlet Mall, dining and fast food options, coffee shops, and shopping. Don’t miss your chance to make this beautiful property your own!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
5.22
Remaining Loan Term
27 years, 6 months
Monthly PITI
$4,387.04/mo
Estimated Loan Balance
$609,285
Cash to close
$73,680
Interest Paid
$79,949

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Central Air
  • Heating: Forced Air
Features
  • Materials: Frame, Stone, Wood Siding
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Gas, Living Room
  • Flooring: Carpet, Laminate, Tile

Exterior

Fencing
  • Fencing: Full
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Public Sewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Frame, Stone, Wood Siding
  • Roof: Composition
Condition
  • Year Built: 2004
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Sage Creek
  • Features: Unknown
HOA
  • Has HOA: Yes
  • HOA Name: Sage Creek Estates HOA
  • HOA Amenities: Unknown
  • HOA Fee: $70
  • HOA Frequency: $Monthly
Location
  • Region: Thornton

Financial Details

  • Price per Sqft: $229.75
  • Tax Annual Amount: $4168
  • On Market Date: 2025-02-13T00:00:00.000Z
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 $73,680 (11%)
You can enter any amount below - secondary financing will cover the difference if needed.
11%
$

You cover the entire equity of $73,680!

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

Loan Breakdown

Assumed Mortgage5.22% Sellers Rate
$601,320
Your Cash$73,680
Total Purchase Price:$675,000

Assumed vs Traditional Mortgage

Assumed @ 5.22%
$3,431/mo
Traditional @ 7.5%
$4,368/mo
You save $937/month ($11,241/year)

*Secondary financing rates are an estimated value based on input

MLS ID: REC9796209

Listing From: recolorado

Last updated: 2025-03-29T16:08:20.000Z

© , recolorado. 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

5.22%
7.15%

Principal & Interest

$3,431 /mo
$4,211 /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 $73,680 (11%)
You can enter any amount below - secondary financing will cover the difference if needed.
11%
$

You cover the entire equity of $73,680!

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

Loan Breakdown

Assumed Mortgage5.22% Sellers Rate
$601,320
Your Cash$73,680
Total Purchase Price:$675,000

Assumed vs Traditional Mortgage

Assumed @ 5.22%
$3,431/mo
Traditional @ 7.5%
$4,368/mo
You save $937/month ($11,241/year)

*Secondary financing rates are an estimated value based on input

Follow Us
UMe Assumptions
Agent/Broker
Laura Jewett(480) 628-2563laura@azinspiredliving.comMLS SA525254000

Powered By UMe.

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

equal-housing

© is committed to and abides by the Fair Housing Act of Equal Opportunity.