Laura Jewett

Laura Jewett

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Pending

$889,999

($827,247 down)
FHA

149 Ramona Way, Oceanside, CA 92057

3
3
1,718 sqft
PITI Monthly
$3,050.31 /mo

Listing courtesy of: Holly Sanders, The Avenue Home Collective

Assumed Rate

2.76%
7.15%

Principal & Interest

$1,726 /mo
$2,306 /mo

What's Special

SERENE
SHOPPING
ENTERTAINMENT
DINING
SPACIOUS
MOVE-IN READY
GRANITE COUNTERTOPS
CLUBHOUSE
TENNIS COURTS
PLAYGROUND
HISTORIC

Welcome to 149 Ramona Way, hitting the market for the first time! This stunning 3-bedroom + loft, 2.5-bathroom home sits on one of the larger corner lots in the highly desirable Mission Point community. With all hard flooring surfaces throughout and fresh interior paint, this home is move-in ready and waiting for its next owner. Gorgeous crown moulding, granite countertops, and solid oak cabinets adorn the home. The spacious loft can easily be converted into a 4th bedroom, offering flexibility to fit your needs. Laundry stays out of sight in the 2 car garage with ample storage space. Not all homes in this community have a driveway, lucky for you, this one does! Front yard landscaping is maintained by the HOA for easy carefree living. Resort style amenities in this beautifully maintained neighborhood include a playground for the littles, grassy knoll, brand new pickleball courts, tennis courts, and an oversize pool and spa. A fully equipped gym in the clubhouse will make you feel like you’re on vacation. Beyond this gorgeous little community, you’ll love the easy access to Oceanside’s lively downtown and beaches, where trendy restaurants, craft breweries, and the iconic pier await. Prefer something more serene? Take a relaxing stroll to Mission San Luis Rey or explore the natural beauty of Guajome Lake nearby. Less than 1 mile away is shopping, dining, and entertainment. Don’t miss this rare opportunity to own a beautiful home in one of Oceanside’s most sought-after communities in the historic area of Mission San Luis Rey. Come see it before it’s gone!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
2.76
Remaining Loan Term
3 years, 1 months
Monthly PITI
$3,050.31/mo
Estimated Loan Balance
$181,137
Cash to close
$827,247
Interest Paid
$53,825

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir, SeeRemarks
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Concrete
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: Community

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Concrete
Condition
  • Year Built: 2001
Details
  • Builder:

Community & HOA

Community
  • Subdivision: San Luis Rey
  • Features: Pool
HOA
  • Has HOA: Yes
  • HOA Name: Mission Point
  • HOA Amenities: Unknown
  • HOA Fee: $308
  • HOA Frequency: $Monthly
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $518.04
  • Tax Annual Amount: $11125
  • On Market Date: 2025-03-19T00:00:00.000Z
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 $827,247 (93%)
You can enter any amount below - secondary financing will cover the difference if needed.
93%
$

You cover the entire equity of $827,247!

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

Loan Breakdown

Assumed Mortgage2.76% Sellers Rate
$62,752
Your Cash:$827,247
Total Purchase Price:$889,999

Assumed vs Traditional Mortgage

Assumed @ 2.76%
$1,726/mo
Traditional @ 7.5%
$2,360/mo
You save $633/month ($7,598/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250022055SD

Listing From:

Last updated: 2025-03-28T18:46:47.000Z

© , 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

2.76%
7.15%

Principal & Interest

$1,726 /mo
$2,306 /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 $827,247 (93%)
You can enter any amount below - secondary financing will cover the difference if needed.
93%
$

You cover the entire equity of $827,247!

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

Loan Breakdown

Assumed Mortgage2.76% Sellers Rate
$62,752
Your Cash:$827,247
Total Purchase Price:$889,999

Assumed vs Traditional Mortgage

Assumed @ 2.76%
$1,726/mo
Traditional @ 7.5%
$2,360/mo
You save $633/month ($7,598/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

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© 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.

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