Laura Jewett

Laura Jewett

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Closed

$638,000

($49,045 down)
VA

540 Ribbon Beach Way UNIT 294, Oceanside, CA 92058

3
2
1,199 sqft
PITI Monthly
$4,299.1 /mo

Listing courtesy of: Jennifer Thomas, HomeSmart Realty West

Assumed Rate

7.44%
7.15%

Principal & Interest

$4,132 /mo
$4,015 /mo

What's Special

LOCATION
SERENE
SPACIOUS
MODERN
LUXURY
FIREPLACE
EN SUITE BATHROOM
PATIO
BALCONY

Coastal Charm Meets Modern Living – Just Minutes from the Beach. Rarely available and perfectly located, this ground-level end-unit condo offers the ultimate combination of style, convenience, and coastal living. Featuring 3 bedrooms and 2 bathrooms, this beautifully updated home boasts direct access to an attached oversized garage equiped with EV charging, allowing you to enter your home effortlessly without stairs—perfect for staying warm and dry in any weather and with so much room for storage! This adorable home has been thoughtfully updated in a neutral coastal aesthetic, including luxury vinyl plank (LVP) flooring throughout. The kitchen showcases quartz counters, a modern backsplash, and newer appliances, making it both functional and stylish. The open and inviting living room is ideal for relaxing or entertaining, complete with a new heat-producing modern fireplace accented by a rustic mantel. From the living room step outside to enjoy one of two private outdoor spaces—a balcony off the living room and a private patio off the primary bedroom. The primary suite serves as a serene retreat with a spacious en suite bathroom, a luxurious shower, and a Toto bidet. The well-designed floor plan places the two additional bedrooms and the updated second bathroom on the opposite side of the home, offering privacy and flexibility. The in-unit laundry closet adds to the convenience.Special financing program available for this home call for details* Located less than two miles from the beach and the iconic Oceanside Pier, this condo is in the heart of the vibrant downtown Oceanside district, with its wide variety of restaurants, shops, and a lively farmers market. Outdoor enthusiasts will appreciate the quick access to the San Luis Rey bike trail, while commuters benefit from easy connections to the 5 and 78 freeways. Don’t miss this opportunity to enjoy the best of coastal living with modern comforts in a prime location. HOA fee also includes water and trash :)

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
7.44
Remaining Loan Term
28 years, 9 months
Monthly PITI
$4,299.1/mo
Estimated Loan Balance
$589,908
Cash to close
$49,045
Interest Paid
$54,990

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Electric
  • Flooring: Vinyl

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Community, Association

Construction

Type & Style
  • Stories: 1
  • Home type: Condominium
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2002
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Curbs, Gutters, Park, Pool
HOA
  • Has HOA: Yes
  • HOA Name: Avalon at Eagles Crossing
  • HOA Amenities: Unknown
  • HOA Fee: $475
  • HOA Frequency: $Monthly
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $532.11
  • Tax Annual Amount: $7975
  • On Market Date: 2025-01-08T00:00:00.000Z
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 $49,045 (8%)
You can enter any amount below - secondary financing will cover the difference if needed.
8%
$

You cover the entire equity of $49,045!

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

Loan Breakdown

Assumed Mortgage7.44% Sellers Rate
$588,955
Your Cash$49,045
Total Purchase Price:$638,000

Assumed vs Traditional Mortgage

Assumed @ 7.44%
$4,132/mo
Traditional @ 7.5%
$4,165/mo
You save $33/month ($390/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2500211

Listing From:

Last updated: 2025-02-19T14:59:01.000Z

© , 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

7.44%
7.15%

Principal & Interest

$4,132 /mo
$4,015 /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 $49,045 (8%)
You can enter any amount below - secondary financing will cover the difference if needed.
8%
$

You cover the entire equity of $49,045!

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

Loan Breakdown

Assumed Mortgage7.44% Sellers Rate
$588,955
Your Cash$49,045
Total Purchase Price:$638,000

Assumed vs Traditional Mortgage

Assumed @ 7.44%
$4,132/mo
Traditional @ 7.5%
$4,165/mo
You save $33/month ($390/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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