Laura Jewett

Laura Jewett

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$800,000

($167,383 down)
FHA

681 Parker St, Oceanside, CA 92057

4
2
1,239 sqft
PITI Monthly
$5,484.85 /mo

Listing courtesy of: Omar Richards, Palisade Realty Inc

Assumed Rate

6.16%
7.15%

Principal & Interest

$3,973 /mo
$4,400 /mo

What's Special

MODERN
DECK
MOUNTAIN VIEWS
COZY
TURNKEY

681 Parker St offers a rare opportunity to own some of the best mountain VIEWS in Oceanside for $800K. Not only is this a turnkey 4-bed, 2-bath home, but it also sits on a 8200 sqft lot with a fully fenced backyard! As soon as you walk through the front door you’ll notice the fully redesigned kitchen completed in August 2024, which boasts sleek quartz countertops, a deep black quartz sink, brand-new appliances, and two generous pantries ideal for any home chef. New flooring, modern light fixtures, and a cozy living room continue to steal the show. Just 15 mins to beaches, 45 mins to San Diego, 1.5 hrs to LA, and 2.5 hrs to Big Bear for endless adventure! And if that wasn’t enough...the sloped portion of the backyard offers it’s new owner approx. 2,000 sqft of unused space which presents potential to build a deck, lush garden, or even an ADU!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.16
Remaining Loan Term
27 years, 8 months
Monthly PITI
$5,484.85/mo
Estimated Loan Balance
$634,058
Cash to close
$167,383
Interest Paid
$92,366

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 2
Cooling & Heating
  • Cooling: None
  • Heating: ForcedAir, NaturalGas
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: AverageCondition
Roof
  • Roof: Asphalt, Shingle
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Asphalt, Shingle
Condition
  • Year Built: 1968
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Oceanside
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $645.68
  • Tax Annual Amount: $10000
  • On Market Date: 2025-04-05T00:00:00.000Z
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 $167,383 (21%)
You can enter any amount below - secondary financing will cover the difference if needed.
21%
$

You cover the entire equity of $167,383!

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

Loan Breakdown

Assumed Mortgage6.16% Sellers Rate
$632,617
Your Cash$167,383
Total Purchase Price:$800,000

Assumed vs Traditional Mortgage

Assumed @ 6.16%
$3,973/mo
Traditional @ 7.5%
$4,564/mo
You save $591/month ($7,092/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250023278SD

Listing From:

Last updated: 2025-04-04T04:38:06.000Z

© , 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

6.16%
7.15%

Principal & Interest

$3,973 /mo
$4,400 /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 $167,383 (21%)
You can enter any amount below - secondary financing will cover the difference if needed.
21%
$

You cover the entire equity of $167,383!

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

Loan Breakdown

Assumed Mortgage6.16% Sellers Rate
$632,617
Your Cash$167,383
Total Purchase Price:$800,000

Assumed vs Traditional Mortgage

Assumed @ 6.16%
$3,973/mo
Traditional @ 7.5%
$4,564/mo
You save $591/month ($7,092/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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