Laura Jewett

Laura Jewett

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Pending

$3,995,000

($2,895,250 down)
VA

3801 Rancho Summit Dr, Encinitas, CA 92024

5
5
5,182 sqft
PITI Monthly
$9,520.67 /mo

Listing courtesy of: Brittany Etherton, The Oppenheim Group

Assumed Rate

3%
7.15%

Principal & Interest

$5,059 /mo
$8,105 /mo

What's Special

ENTERTAINMENT
DINING
MODERN
LUXURY
FIREPLACE
SOAKING TUB
BALCONY
WALKING TRAILS

Discover an oasis of refined elegance in the heart of Olivenhain—a modern estate where every detail is curated to perfection. This 5,182-square-foot masterpiece, completed in 2020, epitomizes contemporary luxury, blending innovative design with timeless sophistication. Step through grand entry doors into soaring 25-foot ceilings and an interior adorned with Provensa wide-plank white oak floors, custom black iron balustrades, and distinctive designer accents. The gourmet chef’s kitchen is a work of art, featuring a generous marble island, bespoke glass cabinetry, and state-of-the-art Thermador appliances—including a hidden refrigerator, dual wine fridges, and a built-in Wolf coffee and espresso station. A discreet caterer’s kitchen enhances the home’s entertaining appeal. The resort-style backyard boasts a dazzling saltwater pool and spa with cascading waterfalls and LED lighting. Outdoor entertaining is elevated with a DCS Series 9 Evolution Grill, fiberglass firepit, and bocce court. The great room flows to an outdoor area ideal for gatherings. Additional spaces include an entertainment room and a formal dining area with a kitchenette offering guest suite potential. Upstairs, the primary retreat offers peekaboo ocean views, a spa-inspired bath with a Kohler soaking tub, designer lighting, Hunter Douglas motorized shades, and a private balcony with a fireplace. Set amidst picturesque landscapes near equestrian facilities and walking trails, this exceptional residence has opportunities for an ADU, tennis or pickleball courts, or a vineyard. Schedule your private tour today.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3
Remaining Loan Term
26 years, 1 months
Monthly PITI
$9,520.67/mo
Estimated Loan Balance
$1,142,100
Cash to close
$2,895,250
Interest Paid
$135,220

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 5
Cooling & Heating
  • Cooling: CentralAir, Zoned
  • Heating: ForcedAir, NaturalGas, Zoned
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: PrimaryBedroom, Outside
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Concrete, SpanishTile
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: Yes
  • Pool Features: InGround, Private, SaltWater, Waterfall

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Concrete, SpanishTile
Condition
  • Year Built: 2020
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Olivenhain
  • Features: Unknown
HOA
  • Has HOA: Yes
  • HOA Name: One Oak
  • HOA Amenities: Unknown
  • HOA Fee: $456
  • HOA Frequency: $Monthly
Location
  • Region: Encinitas

Financial Details

  • Price per Sqft: $770.94
  • Tax Annual Amount: $49937.5
  • On Market Date: 2025-03-06T00:00:00.000Z
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 $2,895,250 (72%)
You can enter any amount below - secondary financing will cover the difference if needed.
72%
$

You cover the entire equity of $2,895,250!

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

Loan Breakdown

Assumed Mortgage3% Sellers Rate
$1,099,750
Your Cash:$2,895,250
Total Purchase Price:$3,995,000

Assumed vs Traditional Mortgage

Assumed @ 3%
$5,059/mo
Traditional @ 7.5%
$8,407/mo
You save $3,348/month ($40,173/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250020057SD

Listing From:

Last updated: 2025-03-06T05:04:02.000Z

© , 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%
7.15%

Principal & Interest

$5,059 /mo
$8,105 /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 $2,895,250 (72%)
You can enter any amount below - secondary financing will cover the difference if needed.
72%
$

You cover the entire equity of $2,895,250!

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

Loan Breakdown

Assumed Mortgage3% Sellers Rate
$1,099,750
Your Cash:$2,895,250
Total Purchase Price:$3,995,000

Assumed vs Traditional Mortgage

Assumed @ 3%
$5,059/mo
Traditional @ 7.5%
$8,407/mo
You save $3,348/month ($40,173/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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