Laura Jewett

Laura Jewett

Property SearchContact
primary-1
primary-2primary-3
Closed

$1,699,900

($1,244,320 down)
FHA

12 Sutherland Drive, Ladera Ranch, CA 92694

5
3
3,100 sqft
PITI Monthly
$5,723.76 /mo

Listing courtesy of: Tom Schulze, Wise Choices Realty

Assumed Rate

4.53%
7.15%

Principal & Interest

$3,206 /mo
$4,259 /mo

What's Special

LARGE CENTER ISLAND
SERENE
DINING
MASTER SUITE
PATIO
COMMUNITY POOL
CLUBHOUSE
CUL-DE-SAC

Nestled in the serene cul-de-sac of the highly coveted Ladera Ranch Sterling Glen neighborhood, this exceptional home boasts stunning curb appeal and a light-filled, open floor plan. The gourmet kitchen is a chef’s dream, featuring exquisite granite slab countertops, ample white cabinetry with a pantry, full travertine backsplash, and a large center island with a built-in sink. The expansive living, family, and bonus/loft areas offer versatility for multi-generational living or entertaining guests. The generous master suite includes a private bath, while a main floor bedroom and bathroom add convenience. Additional highlights include a built-in surround sound system, crown molding throughout (except in the secondary bedrooms), custom carpentry work, French door access to the backyard, an upstairs laundry room, and raised ceilings in the dining and master bedroom. The 3-car garage offers extra storage space with additional rafter and cabinet storage. The tranquil backyard features a built-in fire pit, a patio area, and fresh new turf grass, alongside multiple fruit trees including lime, lemon, guava, oranges, and figs. Perfectly located within walking distance to top-rated schools, parks, a community pool, spas, dog park, hiking and biking trails, and multiple clubhouses, this home truly has it all. The solar system really helps keep down energy costs. Don't miss out on this must-see property!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.53
Remaining Loan Term
16 years, 10 months
Monthly PITI
$5,723.76/mo
Estimated Loan Balance
$532,957
Cash to close
$1,244,320
Interest Paid
$328,609

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir, Dual, AtticFan
  • Heating: Central
Features
  • Materials: VinylSiding
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom, Gas
  • Flooring: Carpet, Tile

Exterior

Fencing
  • Fencing: Block, Brick, WroughtIron
Roof
  • Roof: Concrete, Tile
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: Community, Heated, Association

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • VinylSiding
  • Roof: Concrete, Tile
Condition
  • Year Built: 2002
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Sterling Glen (STGL)
  • Features: Biking, DogPark, Hiking, StreetLights, Sidewalks, Park, Pool
HOA
  • Has HOA: Yes
  • HOA Name: LARMAC
  • HOA Amenities: Unknown
  • HOA Fee: $272
  • HOA Frequency: $Monthly
Location
  • Region: Ladera Ranch

Financial Details

  • Price per Sqft: $548.35
  • Tax Annual Amount: $21248.8
  • On Market Date: 2025-02-14T00:00:00.000Z
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 $1,244,320 (73%)
You can enter any amount below - secondary financing will cover the difference if needed.
73%
$

You cover the entire equity of $1,244,320!

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

Loan Breakdown

Assumed Mortgage4.53% Sellers Rate
$455,580
Your Cash:$1,244,320
Total Purchase Price:$1,699,900

Assumed vs Traditional Mortgage

Assumed @ 4.53%
$3,206/mo
Traditional @ 7.5%
$4,418/mo
You save $1,211/month ($14,538/year)

*Secondary financing rates are an estimated value based on input

MLS ID: OC24254990

Listing From:

Last updated: 2025-03-26T21:59:29.000Z

© , 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

4.53%
7.15%

Principal & Interest

$3,206 /mo
$4,259 /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 $1,244,320 (73%)
You can enter any amount below - secondary financing will cover the difference if needed.
73%
$

You cover the entire equity of $1,244,320!

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

Loan Breakdown

Assumed Mortgage4.53% Sellers Rate
$455,580
Your Cash:$1,244,320
Total Purchase Price:$1,699,900

Assumed vs Traditional Mortgage

Assumed @ 4.53%
$3,206/mo
Traditional @ 7.5%
$4,418/mo
You save $1,211/month ($14,538/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.