Laura Jewett

Laura Jewett

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Pending

$699,000

($323,921 down)
FHA

466 4Th St, Richmond, CA 94801

5
N/A
1,992 sqft
PITI Monthly
$2,998.62 /mo

Listing courtesy of: Ropey Trujillo, Realty ONE Group Future

Assumed Rate

2.77%
7.15%

Principal & Interest

$1,688 /mo
$2,785 /mo

What's Special

SHOPPING
SPACIOUS
MODERN
GRANITE COUNTERTOPS
RENTAL INCOME

House with ADU. This updated property features a spacious main house with 3 bedrooms and 2 bathrooms, as well as an Accessory Dwelling Unit (ADU) that includes 3 bedrooms, 2 bathrooms. This setup is perfect for multi-generational living or as a rental income opportunity. Main House Highlights Updated Kitchen: Enjoy cooking in the modern kitchen, which features gorgeous marble countertops and travertine flooring. The main living areas boast beautiful hardwood flooring, adding warmth and charm to your home. Spacious Bedrooms: all three bedrooms are generously sized, providing ample space for relaxation. Both bathrooms have been tastefully updated with granite countertops and travertine/marble flooring. Dual pane windows throughout the home. Laundry Area for the main house. ADU Features a spacious 679 sq. ft. and includes two bedrooms, an office, and two full bathrooms—an updated kitchen with quartz countertops. Updated bathrooms have marble-standing shower stalls and flooring. Both units benefit from a central heating system for year-round comfort. Bonus Storage Room that includes its bathroom. The property is secured with a privacy fence and a driveway. Conveniently located near Richmond Bart Station, public transit, shopping.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
2.77
Remaining Loan Term
25 years, 10 months
Monthly PITI
$2,998.62/mo
Estimated Loan Balance
$375,899
Cash to close
$323,921
Interest Paid
$45,437

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 0
Cooling & Heating
  • Cooling: Unknown
  • Heating: Gravity
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Laminate, Stone, Tile, Wood

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Shingle
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:
  • Home type: Duplex
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Shingle
Condition
  • Year Built: 1912
Details
  • Builder:

Community & HOA

Community
  • Subdivision: IRON TRIANGLE
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Richmond

Financial Details

  • Price per Sqft: $350.9
  • Tax Annual Amount: $8737.5
  • On Market Date: 2025-01-17T00:00:00.000Z
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 $323,921 (46%)
You can enter any amount below - secondary financing will cover the difference if needed.
46%
$

You cover the entire equity of $323,921!

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

Loan Breakdown

Assumed Mortgage2.77% Sellers Rate
$375,079
Your Cash$323,921
Total Purchase Price:$699,000

Assumed vs Traditional Mortgage

Assumed @ 2.77%
$1,688/mo
Traditional @ 7.5%
$2,889/mo
You save $1,201/month ($14,415/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 41082795

Listing From:

Last updated: 2025-03-18T18:48:36.000Z

© , 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

2.77%
7.15%

Principal & Interest

$1,688 /mo
$2,785 /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 $323,921 (46%)
You can enter any amount below - secondary financing will cover the difference if needed.
46%
$

You cover the entire equity of $323,921!

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

Loan Breakdown

Assumed Mortgage2.77% Sellers Rate
$375,079
Your Cash$323,921
Total Purchase Price:$699,000

Assumed vs Traditional Mortgage

Assumed @ 2.77%
$1,688/mo
Traditional @ 7.5%
$2,889/mo
You save $1,201/month ($14,415/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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