Laura Jewett

Laura Jewett

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$849,000

($516,452 down)
FHA

4228 Lewis Street, Oceanside, CA 92056

3
2
1,540 sqft
PITI Monthly
$3,237.92 /mo

Listing courtesy of: Kyle Andrade, Allison James Estates & Homes

Assumed Rate

3.95%
7.15%

Principal & Interest

$1,836 /mo
$2,613 /mo

What's Special

REMODELED
SHOPPING
ENTERTAINMENT
DINING
SPACIOUS
MODERN
LUXURY
FIREPLACE
VAULTED CEILINGS
LANDSCAPED
CITY VIEWS
COZY
NO HOA

Welcome to your coastal retreat! This stunning single-story, newly painted gem blends timeless charm with modern luxury. Offering 3 bedrooms, 2 bathrooms, and 1,540 sqft of beautifully upgraded living space, this home sits proudly on a 6,800 sqft lot with an array of features designed to elevate your lifestyle. As you approach, the curb appeal captivates with meticulously landscaped turf in the front yard, vibrant roses, towering palm trees, and a beautiful step-up walkway leading to your front door. RV parking makes this property ideal for adventure enthusiasts, and the city views and cool ocean breezes provide a perfect backdrop for your everyday escape. Step inside to discover vaulted ceilings and a light-filled interior enhanced by skylights, large windows, and modern upgrades throughout. The entry welcomes you with gorgeous tile flooring that flows seamlessly into the heart of the home. The remodeled kitchen is a showstopper with brand-new countertops, dual ovens, custom cabinetry, and a stunning chandelier that makes every meal an occasion. The kitchen slider leads effortlessly to your private oasis—a backyard that redefines outdoor living. Your personal paradise features a brand-new pool, a luxurious spa, a cozy fire pit, and a garden ready for your green thumb. A large retaining wall provides privacy and structure to this entertainer's dream space. Whether hosting friends or relaxing under the stars, this backyard has it all. The spacious primary suite boasts a remodeled en-suite bathroom, vaulted ceilings, a skylight, and direct access to your backyard through a brand-new slider. Additional highlights include a modern fireplace in the living room, beautifully updated bathrooms, and an unbeatable floor plan that maximizes comfort and convenience. Located less than 10 miles to the beach, under 1.5 miles to Highway 78, and surrounded by fantastic schools, shopping, dining, and entertainment, this property is perfectly situated for an unparalleled lifestyle. Best of all, no HOA and no Mello-Roos mean you can enjoy everything this home offers without compromise. Whether you're looking for a starter home, a forever home, or the ultimate vacation-like retreat, this property delivers. Don’t miss the chance to make this your dream come true—schedule your private showing today!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.95
Remaining Loan Term
22 years, 10 months
Monthly PITI
$3,237.92/mo
Estimated Loan Balance
$348,345
Cash to close
$516,452
Interest Paid
$102,080

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom
  • Flooring: Tile

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: Yes
  • Pool Features: Fenced, Heated, InGround, Pebble, Permits, Private, Waterfall

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1962
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Gutters, StreetLights, Suburban, Sidewalks
HOA
  • Has HOA: No
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $551.3
  • Tax Annual Amount: $10612.5
  • On Market Date: 2025-01-30T00:00:00.000Z
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 $516,452 (61%)
You can enter any amount below - secondary financing will cover the difference if needed.
61%
$

You cover the entire equity of $516,452!

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

Loan Breakdown

Assumed Mortgage3.95% Sellers Rate
$332,548
Your Cash:$516,452
Total Purchase Price:$849,000

Assumed vs Traditional Mortgage

Assumed @ 3.95%
$1,836/mo
Traditional @ 7.5%
$2,710/mo
You save $874/month ($10,494/year)

*Secondary financing rates are an estimated value based on input

MLS ID: SW25014117

Listing From:

Last updated: 2025-02-21T17:08:09.000Z

© , 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

3.95%
7.15%

Principal & Interest

$1,836 /mo
$2,613 /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 $516,452 (61%)
You can enter any amount below - secondary financing will cover the difference if needed.
61%
$

You cover the entire equity of $516,452!

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

Loan Breakdown

Assumed Mortgage3.95% Sellers Rate
$332,548
Your Cash:$516,452
Total Purchase Price:$849,000

Assumed vs Traditional Mortgage

Assumed @ 3.95%
$1,836/mo
Traditional @ 7.5%
$2,710/mo
You save $874/month ($10,494/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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