Laura Jewett

Laura Jewett

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$670,999

($148,996 down)
FHA

31447 Settlers Road, Winchester, CA 92596

6
4
3,291 sqft
PITI Monthly
$4,733.82 /mo

Listing courtesy of: Damian Gerry, Real Brokerage Technologies

Assumed Rate

6.81%
7.15%

Principal & Interest

$3,489 /mo
$3,611 /mo

What's Special

MODERN
LUXURY
AFFORDABLE

Welcome to 31447 Settlers Rd, Winchester, CA — a rare gem and the largest home in this sought-after development, with no future builds of this size planned by the developer. Built in 2022, this expansive 3,291 sqft residence sits on a generous 9,147 sqft lot, offering the perfect blend of modern luxury and functional living space. Seller offering credit towards buyer closing costs. This beautiful home features 6 bedrooms and 3.5 bathrooms, ideal for large families or those who love to entertain. The open floor concept is enhanced by recessed lighting, creating a bright and inviting atmosphere throughout. The upgraded kitchen (by developer) is a chef’s dream, with contemporary finishes and ample space for gatherings. Enjoy the benefits of paid-off solar, keeping energy costs low, and relax in the oversized backyard with low-maintenance turf — perfect for play, entertaining, or simply unwinding. The property backs up to a small hill, providing added privacy and distance from Domenigoni Parkway. Additional highlights include a 3-car garage, plenty of room for storage, and an affordable HOA at just $53/month. This home truly offers a unique combination of space, style, and value in a peaceful, well-connected neighborhood. Don’t miss this exceptional opportunity to own a one-of-a-kind property in Winchester — a home that perfectly balances comfort, luxury, and convenience. Schedule your tour today and envision the lifestyle that awaits you!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.81
Remaining Loan Term
27 years, 9 months
Monthly PITI
$4,733.82/mo
Estimated Loan Balance
$523,048
Cash to close
$148,996
Interest Paid
$80,980

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 6
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Drywall, Concrete, Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Laminate

Exterior

Fencing
  • Fencing: Vinyl, WroughtIron
Roof
  • Roof: Clay
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • 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: Contemporary
Materials
  • Drywall, Concrete, Stucco
  • Roof: Clay
Condition
  • Year Built: 2022
Details
  • Builder: Tri Pointe Homes

Community & HOA

Community
  • Subdivision:
  • Features: Foothills, StreetLights, Sidewalks, Valley
HOA
  • Has HOA: Yes
  • HOA Name: Seabreeze Management Co.
  • HOA Amenities: Unknown
  • HOA Fee: $53
  • HOA Frequency: $Monthly
Location
  • Region: Winchester

Financial Details

  • Price per Sqft: $203.89
  • Tax Annual Amount: $8387.49
  • On Market Date: 2025-02-26T00:00:00.000Z
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 $148,996 (22%)
You can enter any amount below - secondary financing will cover the difference if needed.
22%
$

You cover the entire equity of $148,996!

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

Loan Breakdown

Assumed Mortgage6.81% Sellers Rate
$522,003
Your Cash$148,996
Total Purchase Price:$670,999

Assumed vs Traditional Mortgage

Assumed @ 6.81%
$3,489/mo
Traditional @ 7.5%
$3,746/mo
You save $257/month ($3,079/year)

*Secondary financing rates are an estimated value based on input

MLS ID: SW25040006

Listing From:

Last updated: 2025-03-26T06:15:43.000Z

© , 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

6.81%
7.15%

Principal & Interest

$3,489 /mo
$3,611 /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 $148,996 (22%)
You can enter any amount below - secondary financing will cover the difference if needed.
22%
$

You cover the entire equity of $148,996!

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

Loan Breakdown

Assumed Mortgage6.81% Sellers Rate
$522,003
Your Cash$148,996
Total Purchase Price:$670,999

Assumed vs Traditional Mortgage

Assumed @ 6.81%
$3,489/mo
Traditional @ 7.5%
$3,746/mo
You save $257/month ($3,079/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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