Laura Jewett

Laura Jewett

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Closed

$939,900

($304,920 down)
FHA

1686 Pember Ave, Chula Vista, CA 91913

4
4
2,508 sqft
PITI Monthly
$4,514.66 /mo

Listing courtesy of: John Copeland, Redfin Corporation

Assumed Rate

2.88%
7.15%

Principal & Interest

$2,822 /mo
$4,591 /mo

What's Special

SERENE
DINING
LUXURY
GRANITE COUNTERTOPS
WALK-IN CLOSET
CLUBHOUSE
PLAYGROUND

Welcome to Montecito in Otay Ranch. This versatile home features TWO PRIMARY BEDROOMS, 3rd FLOOR PRIMARY SUITE with full bathroom can easily be large office or family room. Gourmet kitchen, sleek granite countertops, top-of-the-line SS appliances, custom island perfect for entertaining or meal prep. The adjoining dining room is thoughtfully designed with a convenient coffee bar, ideal for starting your mornings off right. On the 2nd floor, the primary bedroom offers a serene retreat with ample space, a generous walk-in closet, and an en-suite bathroom. The primary bath is complete with a separate tub and shower, double sinks, and abundant under-sink storage for all your essentials. Additionally, the 2nd floor has a laundry room for convenience. The 3rd floor presents a large bedroom with its own bathroom and walk-in closet, offering both privacy and comfort. Throughout the home, you’ll find built-in sound wiring across all three floors, creating a seamless audio experience. Equipped with two separate AC units—one for the first and second floors, and the other for the third floor—this home ensures optimal comfort year-round. The property also includes a Solar Power Purchase Agreement, offering energy efficiency and lower utility costs. As part of the Montecito community, residents enjoy access to the exclusive Clubhouse, which features a refreshing pool, relaxing spa, clubhouse, parks, and playgrounds. This home is a perfect blend of luxury, functionality, and community living. Don’t miss out on the opportunity to make it yours!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
2.88
Remaining Loan Term
26 years, 9 months
Monthly PITI
$4,514.66/mo
Estimated Loan Balance
$654,607
Cash to close
$304,920
Interest Paid
$61,438

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 4
Cooling & Heating
  • Cooling: None
  • Heating: None, SeeRemarks
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: None
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: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2009
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Chula Vista
  • Features: Unknown
HOA
  • Has HOA: Yes
  • HOA Name: Montecito of Otay Ranch
  • HOA Amenities: Unknown
  • HOA Fee: $67
  • HOA Frequency: $Monthly
Location
  • Region: Chula Vista

Financial Details

  • Price per Sqft: $374.76
  • Tax Annual Amount: $11748.8
  • On Market Date: 2025-01-16T00:00:00.000Z
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 $304,920 (32%)
You can enter any amount below - secondary financing will cover the difference if needed.
32%
$

You cover the entire equity of $304,920!

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

Loan Breakdown

Assumed Mortgage2.88% Sellers Rate
$634,980
Your Cash$304,920
Total Purchase Price:$939,900

Assumed vs Traditional Mortgage

Assumed @ 2.88%
$2,822/mo
Traditional @ 7.5%
$4,762/mo
You save $1,940/month ($23,280/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250001468SD

Listing From:

Last updated: 2025-03-12T02:25:03.000Z

© , 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

2.88%
7.15%

Principal & Interest

$2,822 /mo
$4,591 /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 $304,920 (32%)
You can enter any amount below - secondary financing will cover the difference if needed.
32%
$

You cover the entire equity of $304,920!

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

Loan Breakdown

Assumed Mortgage2.88% Sellers Rate
$634,980
Your Cash$304,920
Total Purchase Price:$939,900

Assumed vs Traditional Mortgage

Assumed @ 2.88%
$2,822/mo
Traditional @ 7.5%
$4,762/mo
You save $1,940/month ($23,280/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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