Laura Jewett

Laura Jewett

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$849,999

($415,205 down)
VA

2954 Encina Lane, Simi Valley, CA 93065

4
3
1,565 sqft
PITI Monthly
$3,198.23 /mo

Listing courtesy of: Jane Katherine-Watson, The Real Estate Place

Assumed Rate

3.23%
7.15%

Principal & Interest

$2,096 /mo
$3,261 /mo

What's Special

SHOPPING
DINING
SPACIOUS
MODERN
RENOVATED
GRANITE COUNTERTOPS
WALK-IN CLOSET
CHARMING
COZY

Nestled in the highly desirable West Simi Valley neighborhood, this charming 4-bedroom, 3-bathroom residence with a 2-car garage presents the perfect blend of comfort, style, and practicality—ideal for family living and entertaining friends. The bright and open floor plan provides abundant space to meet all your lifestyle needs. The recently renovated kitchen boasts brand-new cabinets, elegant granite countertops, and a sleek glass tile backsplash, creating a modern yet functional space for culinary enthusiasts. The kitchen effortlessly transitions into the cozy dining area, making meal preparation and entertaining guests a seamless experience. Each of the generously sized bedrooms provides ample closet space and natural light, ensuring privacy and tranquility. The owner’s suite serves as a true retreat, featuring an ensuite bathroom with dual sinks and a spacious walk-in closet, providing a peaceful escape at the end of the day. Additional updates include a brand-new hot water heater. The beautiful landscaping and low-maintenance yard create the perfect backdrop for outdoor relaxation, complemented by an inviting outdoor spa and private parking for added comfort. Conveniently located near local parks, schools, shopping centers, and dining options, this home presents the best of suburban living while providing easy access to all the amenities you need. Don’t miss the opportunity to make this stunning home your own. Schedule a tour today!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.23
Remaining Loan Term
25 years, 4 months
Monthly PITI
$3,198.23/mo
Estimated Loan Balance
$448,649
Cash to close
$415,205
Interest Paid
$69,316

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Carpet, Laminate, Tile

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: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2012
Details
  • Builder:

Community & HOA

Community
  • Subdivision: other
  • Features: Curbs, DogPark, Park, StreetLights, Suburban, Sidewalks
HOA
  • Has HOA: Yes
  • HOA Name: Welcome Home
  • HOA Amenities: Unknown
  • HOA Fee: $177
  • HOA Frequency: $Monthly
Location
  • Region: Simi Valley

Financial Details

  • Price per Sqft: $543.13
  • Tax Annual Amount: $10625
  • On Market Date: 2025-03-21T00:00:00.000Z
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 $415,205 (49%)
You can enter any amount below - secondary financing will cover the difference if needed.
49%
$

You cover the entire equity of $415,205!

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

Loan Breakdown

Assumed Mortgage3.23% Sellers Rate
$434,794
Your Cash$415,205
Total Purchase Price:$849,999

Assumed vs Traditional Mortgage

Assumed @ 3.23%
$2,096/mo
Traditional @ 7.5%
$3,383/mo
You save $1,287/month ($15,441/year)

*Secondary financing rates are an estimated value based on input

MLS ID: SR25061537

Listing From:

Last updated: 2025-04-03T18:48:46.000Z

© , 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

3.23%
7.15%

Principal & Interest

$2,096 /mo
$3,261 /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 $415,205 (49%)
You can enter any amount below - secondary financing will cover the difference if needed.
49%
$

You cover the entire equity of $415,205!

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

Loan Breakdown

Assumed Mortgage3.23% Sellers Rate
$434,794
Your Cash$415,205
Total Purchase Price:$849,999

Assumed vs Traditional Mortgage

Assumed @ 3.23%
$2,096/mo
Traditional @ 7.5%
$3,383/mo
You save $1,287/month ($15,441/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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