Laura Jewett

Laura Jewett

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Closed

$900,000

($485,026 down)
FHA

1683 Kincaid Avenue, Chula Vista, CA 91913

4
4
2,508 sqft
PITI Monthly
$2,861.75 /mo

Listing courtesy of: Anthony Manzon, Coldwell Banker West

Assumed Rate

3.69%
7.15%

Principal & Interest

$2,292 /mo
$3,367 /mo

What's Special

FRESH PAINT
SHOPPING
ENTERTAINMENT
DINING
GRANITE COUNTERTOPS
STAINLESS STEEL APPLIANCES
FIREPLACE
WALK-IN CLOSET
GAME ROOM
PRIVATE BACKYARD
CLUBHOUSE
COZY
SOLAR PANELS

Welcome to your dream home in the highly desirable Otay Ranch neighborhood! This property offers one of the biggest floorplans at the lowest price per sqft. This stunning 4-bedroom, 3.5-bath is the perfect blend of comfort, style, and practicality—ideal for families who enjoy entertaining. When entering you are greeted by soaring ceilings and an open-concept design that seamlessly connects the main living areas. The living room features built-in cabinetry and a cozy fireplace, flowing effortlessly into a kitchen with granite countertops, a farmhouse sink, and ample pantry space. The kitchen island offers extra storage and barstool seating, complemented by stainless steel appliances that add a touch of elegance. The second floor is all about convenience and privacy, featuring two bedrooms, a full bathroom, a dedicated laundry room, and the generously sized primary suite with an en-suite bath and walk-in closet. On the third floor, you’ll find a versatile loft with a full bathroom, which can serve as a fourth bedroom, game room, or entertainment space—tailoring to your needs. This home is an entertainer's delight, complete with a half-bath on the main floor and private backyard space. Both the front yard and private yard feature low-maintenance turf, offering a perfect setting for outdoor dining. Additional features of this home include solar panels, central A/C, tankless water heater, shutters, fresh paint, and an attached two-car garage with added storage. HOA amenities include a clubhouse, pool, gym, and an event hall. Located just minutes from parks, top-rated schools, hospitals, restaurants, and shopping.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.69
Remaining Loan Term
21 years, 7 months
Monthly PITI
$2,861.75/mo
Estimated Loan Balance
$431,658
Cash to close
$485,026
Interest Paid
$141,763

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Gas
  • Flooring: Unknown

Exterior

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

Construction

Type & Style
  • Stories: 3
  • Home type: SingleFamilyResidence
  • Architectural Style: PatioHome
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2010
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Curbs, StreetLights, Sidewalks, Park, Pool
HOA
  • Has HOA: Yes
  • HOA Name: Montecito Otay Ranch
  • HOA Amenities: Unknown
  • HOA Fee: $62
  • HOA Frequency: $Monthly
Location
  • Region: Chula Vista

Financial Details

  • Price per Sqft: $358.85
  • Tax Annual Amount: $
  • On Market Date: 2024-10-04T00:00:00.000Z
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 $485,026 (54%)
You can enter any amount below - secondary financing will cover the difference if needed.
54%
$

You cover the entire equity of $485,026!

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

Loan Breakdown

Assumed Mortgage3.69% Sellers Rate
$414,974
Your Cash:$485,026
Total Purchase Price:$900,000

Assumed vs Traditional Mortgage

Assumed @ 3.69%
$2,292/mo
Traditional @ 7.5%
$3,493/mo
You save $1,201/month ($14,410/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PTP2406116

Listing From:

Last updated: 2025-01-14T01:38:28.000Z

© , 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

3.69%
7.15%

Principal & Interest

$2,292 /mo
$3,367 /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 $485,026 (54%)
You can enter any amount below - secondary financing will cover the difference if needed.
54%
$

You cover the entire equity of $485,026!

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

Loan Breakdown

Assumed Mortgage3.69% Sellers Rate
$414,974
Your Cash:$485,026
Total Purchase Price:$900,000

Assumed vs Traditional Mortgage

Assumed @ 3.69%
$2,292/mo
Traditional @ 7.5%
$3,493/mo
You save $1,201/month ($14,410/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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