Laura Jewett

Laura Jewett

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Closed

$1,349,000

($261,650 down)
FHA

21906 Cosala, Mission Viejo, CA 92691

4
3
1,953 sqft
PITI Monthly
$9,252.76 /mo

Listing courtesy of: Ali Shariat, Zutila, Inc

Assumed Rate

6.31%
7.15%

Principal & Interest

$6,866 /mo
$7,484 /mo

What's Special

REMODELED
SERENE
DINING
LUXURY
PATIO
BALCONY
LANDSCAPED
PLAYGROUND
MOUNTAIN VIEWS
COZY
LOW HOA FEES

Nestled in the highly sought-after Montiel neighborhood of Mission Viejo, this private and serene mountain-view home offers resort-style living at its finest. Thoughtfully designed with a warm and inviting floor plan, the home boasts four bedrooms and three bathrooms, including a convenient downstairs bedroom with a full bath. The oversized primary suite features a private balcony, perfect for savoring breathtaking Saddleback Mountain views, early morning sunrises, or glowing evening skies. The open-concept kitchen and living area provide an ideal space for family gatherings, while an upstairs loft/bonus room adds versatility. A unique atrium floods the interior with natural light and offers the potential for expanded living space. Step outside to your personal oasis—a beautifully landscaped backyard with Saddleback Mountain views, an inviting Pebble Tec pool with cascading waterfalls, a relaxing spa, a cozy gas fire pit, and a picturesque gazebo for alfresco dining. A large, covered, and well-lit patio sets the stage for unforgettable entertaining. The home also features three remodeled bathrooms, custom cabinetry, plantation shutters, dual-pane windows, and elegant tile and wood flooring. The attached two-car garage includes an epoxied floor, a workbench, and abundant storage. Residents enjoy access to Lake Mission Viejo, offering fishing, boating, concerts, holiday events, sandy beaches, and a playground. The home is within walking distance of Crucero Park and scenic hiking trails. With low HOA fees and no Mello Roos, this property combines luxury, functionality, and community charm—truly a place to call home.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.31
Remaining Loan Term
28 years, 3 months
Monthly PITI
$9,252.76/mo
Estimated Loan Balance
$1,097,420
Cash to close
$261,650
Interest Paid
$121,171

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Unknown

Exterior

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

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1977
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Montiel (MO)
  • Features: DogPark, Fishing, Lake, Park
HOA
  • Has HOA: Yes
  • HOA Name: Mission Viejo Environmental
  • HOA Amenities: Unknown
  • HOA Fee: $184.35
  • HOA Frequency: $Quarterly
Location
  • Region: Mission Viejo

Financial Details

  • Price per Sqft: $690.73
  • Tax Annual Amount: $16862.5
  • On Market Date: 2025-01-25T00:00:00.000Z
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 $261,650 (19%)
You can enter any amount below - secondary financing will cover the difference if needed.
19%
$

You cover the entire equity of $261,650!

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

Loan Breakdown

Assumed Mortgage6.31% Sellers Rate
$1,087,350
Your Cash$261,650
Total Purchase Price:$1,349,000

Assumed vs Traditional Mortgage

Assumed @ 6.31%
$6,866/mo
Traditional @ 7.5%
$7,486/mo
You save $620/month ($7,441/year)

*Secondary financing rates are an estimated value based on input

MLS ID: OC25000915

Listing From:

Last updated: 2025-03-18T16:45:23.000Z

© , 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

6.31%
7.15%

Principal & Interest

$6,866 /mo
$7,484 /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 $261,650 (19%)
You can enter any amount below - secondary financing will cover the difference if needed.
19%
$

You cover the entire equity of $261,650!

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

Loan Breakdown

Assumed Mortgage6.31% Sellers Rate
$1,087,350
Your Cash$261,650
Total Purchase Price:$1,349,000

Assumed vs Traditional Mortgage

Assumed @ 6.31%
$6,866/mo
Traditional @ 7.5%
$7,486/mo
You save $620/month ($7,441/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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