Cheryl Riley

Cheryl Riley

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Pending

$989,000

($447,993 down)
VA

10439 Miracle Waters Ct, Spring Valley, CA 91977

4
4
2,318 sqft
PITI Monthly
$3,746.18 /mo

Listing courtesy of: Michael Wolf, Coldwell Banker West

Assumed Rate

3%
7.15%

Principal & Interest

$2,499 /mo
$4,004 /mo

What's Special

SPACIOUS
GRANITE COUNTERTOPS
FIREPLACE
VAULTED CEILINGS
WALK-IN CLOSET
DECK
PATIO
COMMUNITY POOL
TENNIS COURTS
CUL-DE-SAC
SOLAR PANELS

Beautiful 4bd VIEW residence in the coveted Highlands Ranch community. Located conveniently on a cul-de-sac, this lovingly cared for home is ready for you to move right in. Large open kitchen w/ granite countertops & SS appliances, spacious family room w/ adjacent deck featuring captivating easterly views. Primary suite features vaulted ceilings, dual vanity, large walk-in closet w/ separate tub & shower. Lower floor features a secondary living space w/ fireplace & bar, laundry room & 3 guest beds w/ 2 full baths. Large Outdoor patio features jacuzzi spa & low maintenance landscaping. This gorgeous home will not last long. ***2.5% Assumable financing may be available on this Home*** (Mort. balance of approx. $540k maturing in 2051 P&I payment of ~$3330/month) See it today! Gorgeous View home Highlands Ranch - Features 16 solar panels (owned), a spacious 2 car garage - and "newer" construction home so all the creature comforts and bells & whistles are available for you. Highlands Ranch community is a beautiful gated development featuring a community pool, spa, tennis courts, basketball courts, and recreation area. Low HOA‘s and centrally located to all of San Diego. This home features a brand new HVAC system that was just installed in March 2025. Call this lovely house your new home, today!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3
Remaining Loan Term
26 years, 1 months
Monthly PITI
$3,746.18/mo
Estimated Loan Balance
$547,828
Cash to close
$447,993
Interest Paid
$66,801

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir, NaturalGas
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom
  • Flooring: Carpet, Tile

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Community

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2000
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Spring Valley
  • Features: Gated, Pool
HOA
  • Has HOA: Yes
  • HOA Name: Highlands Ranch
  • HOA Amenities: Unknown
  • HOA Fee: $180
  • HOA Frequency: $Monthly
Location
  • Region: Spring Valley

Financial Details

  • Price per Sqft: $426.66
  • Tax Annual Amount: $12362.5
  • On Market Date: 2025-04-08T00:00:00.000Z
Inquire about this property

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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 $447,993 (45%)
You can enter any amount below - secondary financing will cover the difference if needed.
45%
$

You cover the entire equity of $447,993!

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

Loan Breakdown

Assumed Mortgage3% Sellers Rate
$541,007
Your Cash$447,993
Total Purchase Price:$989,000

Assumed vs Traditional Mortgage

Assumed @ 3%
$2,499/mo
Traditional @ 7.15%
$4,153/mo
You save $1,654/month ($19,846/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250023881SD

Listing From:

Last updated: 2025-04-15T17:37:06.000Z

© , 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

3%
7.15%

Principal & Interest

$2,499 /mo
$4,004 /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 $447,993 (45%)
You can enter any amount below - secondary financing will cover the difference if needed.
45%
$

You cover the entire equity of $447,993!

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

Loan Breakdown

Assumed Mortgage3% Sellers Rate
$541,007
Your Cash$447,993
Total Purchase Price:$989,000

Assumed vs Traditional Mortgage

Assumed @ 3%
$2,499/mo
Traditional @ 7.15%
$4,153/mo
You save $1,654/month ($19,846/year)

*Secondary financing rates are an estimated value based on input

Follow Us
American Allstar Realty
Agent/Broker
Cheryl RileyAmerican Allstar Realty(602) 353-7375cheryl.m.riley@gmail.comMLS BR655878000

© 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 American Allstar Realty 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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