Laura Jewett

Laura Jewett

Property SearchContact
primary-1
primary-2primary-3
Pending

$448,000

($0 down)*
VA

Potential short sale please verify with your agent.

294 Chambers Street UNIT 21, El Cajon, CA 92020

2
2
1,116 sqft
PITI Monthly
$3,229 /mo

Listing courtesy of: Lynnor Anderson, Realty ONE Group Pacific

Assumed Rate

6.85%
7.15%

Principal & Interest

$3,079 /mo
$3,174 /mo

What's Special

FRESH PAINT
SHOPPING
DINING
PATIO
HISTORIC
AFFORDABLE

Exactly what you've been looking for! An affordable and comfortable home in a desirable neighborhood on the west end of El Cajon. This townhome is tucked towards the back of a smaller quiet complex. You're so close to all the local amenities, shopping, restaurants, the 8 and 67 freeways. Your family is just blocks from historical Main Street, downtown. Where you'll find community events like America on Main, Cajon Classic Car Cruise, free concerts, and more. Walking up to the front door, you'll find your private gated courtyard. A bonus you won't find in most properties at this price point! This is an inviting oversized place to relax and unwind. With plenty of room for patio furniture, the BBQ, and even a container garden if you like. Enjoy the outdoor lifestyle that San Diego is famous for. Your assigned parking spot, mailbox, and pool area are a few steps away. Inside the double-door entry, you'll find the living room. And the dining room, which opens up to the courtyard and the kitchen, with a breakfast bar. There are two storage areas and a 1/2 bath downstairs. The first floor has the main living areas. And the upstairs has your sleeping areas. There are two large bedrooms, a full bathroom, and a linen closet. This whole home is welcoming and bright due to a ton of natural sunlight. You've got a well-taken care of property by the same owner for over 30 years! With fresh paint on the interior. Along with newer light fixtures. And the carpets were recently cleaned by Zerores. Sure makes it easy to move right in. You'll also enjoy some of the lowest HOA fees in the neighborhood! Which include a pool, on-site laundry, and a community rec. room. Do your homework and you'll find that the same floorplan in this complex recently sold for $535k. Making this a great deal for you. Move in now at a great price and turn it into your dream home. Start building your equity in San Diego’s growing real estate market. Complex goes VA and conventional.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
6.85
Remaining Loan Term
29 years, 5 months
Monthly PITI
$3,229/mo
Estimated Loan Balance
$469,890
Cash to close
$0
Interest Paid
$18,728

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 2
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Carpet, Vinyl

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: Community, Association

Construction

Type & Style
  • Stories: 2
  • Home type: Townhouse
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Unknown
Condition
  • Year Built: 1974
Details
  • Builder:

Community & HOA

Community
  • Subdivision: El Cajon
  • Features: Sidewalks, Pool
HOA
  • Has HOA: Yes
  • HOA Name: The Helm Management Group
  • HOA Amenities: Unknown
  • HOA Fee: $320
  • HOA Frequency: $Monthly
Location
  • Region: El Cajon

Financial Details

  • Price per Sqft: $401.43
  • Tax Annual Amount: $
  • On Market Date: 2024-07-31T00:00:00.000Z
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 $0 (0%)
You can enter any amount below - secondary financing will cover the difference if needed.
0%
$

You cover the entire equity of $0!

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

Loan Breakdown

Assumed Mortgage6.85% Sellers Rate
$448,000
Your Cash$0
Total Purchase Price:$448,000

Assumed vs Traditional Mortgage

Assumed @ 6.85%
$3,079/mo
Traditional @ 7.5%
$3,292/mo
You save $213/month ($2,556/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PT24156804

Listing From:

Last updated: 2024-09-17T20:55:09.000Z

© , 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

6.85%
7.15%

Principal & Interest

$3,079 /mo
$3,174 /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 $0 (0%)
You can enter any amount below - secondary financing will cover the difference if needed.
0%
$

You cover the entire equity of $0!

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

Loan Breakdown

Assumed Mortgage6.85% Sellers Rate
$448,000
Your Cash$0
Total Purchase Price:$448,000

Assumed vs Traditional Mortgage

Assumed @ 6.85%
$3,079/mo
Traditional @ 7.5%
$3,292/mo
You save $213/month ($2,556/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.