Laura Jewett

Laura Jewett

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Pending

$630,000

($143,685 down)
FHA

4534 Polk ave, San Diego, CA 92105

2
1
990 sqft
PITI Monthly
$4,369.16 /mo

Listing courtesy of: Christy Gonzalez-Perkins, Select Premier Properties

Assumed Rate

6.85%
7.15%

Principal & Interest

$3,200 /mo
$3,299 /mo

What's Special

Unique opportunity to own a home in the heart of San Diego, this hidden gem awaits the perfect family to make it theirs. Brand new roof installed in Spring 2020 as well as various upgrades throughout to include, flooring, new vanities and kitchen upgrades. Two parking spots and a fenced backyard add to the check marks on your home buying list. Opportunities are endless from primary residence to rental investment. Located within walking distance to restaurants, supermarkets, transit, and quick drive to downtown and San Diego beaches. Tax record shows 1 bedroom, 1 bath however the property has an additional bedroom. **Seller will not entertain low ball offers**

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.85
Remaining Loan Term
29 years, 5 months
Monthly PITI
$4,369.16/mo
Estimated Loan Balance
$486,736
Cash to close
$143,685
Interest Paid
$19,466

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 2
  • Bathrooms: 1
Cooling & Heating
  • Cooling: None
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom
  • 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: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1927
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Sidewalks
HOA
  • Has HOA: No
Location
  • Region: San Diego

Financial Details

  • Price per Sqft: $636.36
  • Tax Annual Amount: $7875
  • On Market Date: 2025-02-03T00:00:00.000Z
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 $143,685 (23%)
You can enter any amount below - secondary financing will cover the difference if needed.
23%
$

You cover the entire equity of $143,685!

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

Loan Breakdown

Assumed Mortgage6.85% Sellers Rate
$486,315
Your Cash$143,685
Total Purchase Price:$630,000

Assumed vs Traditional Mortgage

Assumed @ 6.85%
$3,200/mo
Traditional @ 7.5%
$3,300/mo
You save $99/month ($1,191/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PTP2500865

Listing From:

Last updated: 2025-02-13T18:34:59.000Z

© , 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

6.85%
7.15%

Principal & Interest

$3,200 /mo
$3,299 /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 $143,685 (23%)
You can enter any amount below - secondary financing will cover the difference if needed.
23%
$

You cover the entire equity of $143,685!

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

Loan Breakdown

Assumed Mortgage6.85% Sellers Rate
$486,315
Your Cash$143,685
Total Purchase Price:$630,000

Assumed vs Traditional Mortgage

Assumed @ 6.85%
$3,200/mo
Traditional @ 7.5%
$3,300/mo
You save $99/month ($1,191/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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