Laura Jewett

Laura Jewett

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$1,379,000

($531,177 down)
FHA

326 Grant Street, Oceanside, CA 92054

4
2
1,349 sqft
PITI Monthly
$6,298.96 /mo

Listing courtesy of: Tim Shepstone, Swell Property

Assumed Rate

2.94%
7.15%

Principal & Interest

$3,857 /mo
$6,227 /mo

What's Special

OPEN CONCEPT
DINING
PATIO

Back on the market! This professionally designed and decorated 2 unit property is a great opportunity for an owner occupant to offset costs, or investor to get a great return. These 2 fully detached and separate, 2 bedroom, 1 bath units live like different properties. The front unit has a driveway with 1 car parking off Grant St, including artificial turf and a great patio with sitting area. Inside is a beautifully decorated and furnished vacation rental with an open concept living/dining/kitchen area, 2 good sized bedrooms and a 3pc bath. Each space has its own heating and cooling with ductless mini-splits to keep guests comfortable. The rear unit has pedestrian access from Grant St and a fenced and gated drive off the rear alley, as well as it's own separate patio and outdoor space. The interior is similarly finished and furnished with an updated kitchen and bath, as well as a W/D. Both units are currently being operated as very successful, furnished rentals. Get 2 units and double the income!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
2.94
Remaining Loan Term
26 years, 3 months
Monthly PITI
$6,298.96/mo
Estimated Loan Balance
$849,599
Cash to close
$531,177
Interest Paid
$97,633

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Ductless, Electric
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type:
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1958
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Curbs, StormDrains, StreetLights, Sidewalks
HOA
  • Has HOA: No
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $1,022.24
  • Tax Annual Amount: $17237.5
  • On Market Date: 2025-02-13T00:00:00.000Z
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.

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Savings Calculator

Current cash to close is $531,177 (39%)
You can enter any amount below - secondary financing will cover the difference if needed.
39%
$

You cover the entire equity of $531,177!

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

Loan Breakdown

Assumed Mortgage2.94% Sellers Rate
$847,823
Your Cash$531,177
Total Purchase Price:$1,379,000

Assumed vs Traditional Mortgage

Assumed @ 2.94%
$3,857/mo
Traditional @ 7.5%
$6,459/mo
You save $2,602/month ($31,223/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2501451

Listing From:

Last updated: 2025-03-31T20:55:54.000Z

© , 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

2.94%
7.15%

Principal & Interest

$3,857 /mo
$6,227 /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 $531,177 (39%)
You can enter any amount below - secondary financing will cover the difference if needed.
39%
$

You cover the entire equity of $531,177!

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

Loan Breakdown

Assumed Mortgage2.94% Sellers Rate
$847,823
Your Cash$531,177
Total Purchase Price:$1,379,000

Assumed vs Traditional Mortgage

Assumed @ 2.94%
$3,857/mo
Traditional @ 7.5%
$6,459/mo
You save $2,602/month ($31,223/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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