Cheryl Riley

Cheryl Riley

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$1,275,000

($660,070 down)
VA

1131 Vale Terrace Dr, Vista, CA 92084

3
2
2,277 sqft
PITI Monthly
$4,432.79 /mo

Listing courtesy of: Lisa De Jesus, Henry Wright Realty

Assumed Rate

2.83%
7.15%

Principal & Interest

$2,805 /mo
$4,592 /mo

What's Special

SPACIOUS
FIREPLACE
WALK-IN CLOSET
MATURE TREES
CHARMING
RENTAL INCOME

Tucked away on a sprawling, fully-fenced acre, this stunning Vista home offers privacy, space, and endless possibilities. A gated entrance leads to this charming ranch-style home, where a warm and inviting cottage-style door sets the tone for the welcoming and spacious interior. Enjoy an open-concept living area, where LVP flooring, soaring ceilings, and a glowing fireplace create an inviting ambiance. The spacious primary suite is a true retreat, featuring its own sitting area, fireplace, spa-like bath, and an oversized walk-in closet. The recently updated kitchen is a chef's oasis. A newer roof, HVAC system, and custom garage door elevate the home’s comfort, style, and long-term value. Step outside to a sparkling pool surrounded by lush landscaping—perfect for relaxing or entertaining under the California sun. Located across from Brengle Terrace Park—home to the Moonlight Amphitheater and Alta Vista Botanical Gardens—this home is just minutes from vibrant downtown Vista. With ample space to add a 1,200 sq. ft. ADU and carve out a JADU, this property is a rare opportunity for multigenerational living, rental income, or creating your dream estate. A must-see gem—don’t miss this one! Come & escape to your own private compound in the hills of Vista. This rare acre offers tranquility, mature trees, and space to expand. Inside, discover natural light, thoughtful design, and flexible living spaces ideal for creativity or comfort. The backyard is a hidden paradise with a pool ready for summer. Minutes from parks, culture, and downtown—but worlds away in feel. Opportunity awaits with room to build and grow. A lifestyle property with heart and soul.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.83
Remaining Loan Term
25 years, 10 months
Monthly PITI
$4,432.79/mo
Estimated Loan Balance
$622,990
Cash to close
$660,070
Interest Paid
$76,572

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir, NaturalGas
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Gas, LivingRoom, PrimaryBedroom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Electric
Roof
  • Roof: Asphalt, Composition
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: Yes
  • Pool Features: InGround, Private

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Ranch
Materials
  • Unknown
  • Roof: Asphalt, Composition
Condition
  • Year Built: 1956
Details
  • Builder:

Community & HOA

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

Financial Details

  • Price per Sqft: $559.95
  • Tax Annual Amount: $15937.5
  • On Market Date: 2025-04-13T00:00:00.000Z
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 $660,070 (52%)
You can enter any amount below - secondary financing will cover the difference if needed.
52%
$

You cover the entire equity of $660,070!

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

Loan Breakdown

Assumed Mortgage2.83% Sellers Rate
$614,930
Your Cash:$660,070
Total Purchase Price:$1,275,000

Assumed vs Traditional Mortgage

Assumed @ 2.83%
$2,805/mo
Traditional @ 7.15%
$4,764/mo
You save $1,959/month ($23,507/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250023514SD

Listing From:

Last updated: 2025-04-11T18:05:35.000Z

© , 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

2.83%
7.15%

Principal & Interest

$2,805 /mo
$4,592 /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 $660,070 (52%)
You can enter any amount below - secondary financing will cover the difference if needed.
52%
$

You cover the entire equity of $660,070!

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

Loan Breakdown

Assumed Mortgage2.83% Sellers Rate
$614,930
Your Cash:$660,070
Total Purchase Price:$1,275,000

Assumed vs Traditional Mortgage

Assumed @ 2.83%
$2,805/mo
Traditional @ 7.15%
$4,764/mo
You save $1,959/month ($23,507/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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