Cheryl Riley

Cheryl Riley

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$899,000

($292,138 down)
VA

1132 Cherry Tree Lane, Vista, CA 92084

4
3
1,857 sqft
PITI Monthly
$5,091.15 /mo

Listing courtesy of: Jeanne Dominguez, RE/MAX Connections

Assumed Rate

6.54%
7.15%

Principal & Interest

$3,938 /mo
$4,191 /mo

What's Special

GATED COMMUNITY
SHOPPING
ENTERTAINMENT
DINING
SPACIOUS
GRANITE COUNTERTOPS
STAINLESS STEEL APPLIANCES
FIREPLACE
WALK-IN CLOSET
PATIO
CLUBHOUSE
PLAYGROUND
COZY
SOLAR PANELS
AFFORDABLE

Congratulations! You just found one of the most beautiful and affordable homes in all of North County! So much to love here, meticulously maintained, OWNED SOLAR, and at barely ten years old, this is the perfect first home! You'll love the stunning neutral decor as well as the amount of natural light pouring into every room! With a wonderful open layout on the first floor that includes a spacious living/family/great room, a warm and cozy fireplace, and of course a beautiful dining room too! The kitchen will be one of your favorite places, not only to cook in, but for entertaining as well! With plenty of cabinet space, granite countertops, a big center island and stainless steel appliances! The primary suite has it's own private bath with dual vanities, a walk in shower and of course a well organized walk-in closet! Three more generously sized bedrooms and a large 2nd floor laundry room complete the second floor! Busy families will love that the exterior and yards are virtually maintenance free! The fully fenced backyard features a big concrete patio, built in fire pit, artificial turf and raised flower beds! Nothing to do in front as the HOA maintains that for you! Energy saving features to go along with the OWNED solar panels include a TESLA POWER WALL, and a tankless hot water heater! Serra is a super friendly gated community that features a sparkling pool, playground, clubhouse with outdoor dining/BBQ areas, and yes it's very pet friendly with doggie runs and doggie stations on almost every street! Located in the heart of Vista, close to freeways, schools, and all of the newly added entertainment, dining and shopping venues! VA & FHA approved! Welcome to your new home!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
6.54
Remaining Loan Term
28 years, 1 months
Monthly PITI
$5,091.15/mo
Estimated Loan Balance
$608,733
Cash to close
$292,138
Interest Paid
$76,977

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central, ForcedAir, NaturalGas
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Gas, LivingRoom
  • Flooring: Carpet, Vinyl

Exterior

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

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2015
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Park, Pool
HOA
  • Has HOA: Yes
  • HOA Name: Serra HOA
  • HOA Amenities: Unknown
  • HOA Fee: $240
  • HOA Frequency: $Monthly
Location
  • Region: Vista

Financial Details

  • Price per Sqft: $484.11
  • Tax Annual Amount: $11237.5
  • On Market Date: 2025-04-11T00:00:00.000Z
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 $292,138 (32%)
You can enter any amount below - secondary financing will cover the difference if needed.
32%
$

You cover the entire equity of $292,138!

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

Loan Breakdown

Assumed Mortgage6.54% Sellers Rate
$606,862
Your Cash$292,138
Total Purchase Price:$899,000

Assumed vs Traditional Mortgage

Assumed @ 6.54%
$3,938/mo
Traditional @ 7.15%
$4,347/mo
You save $409/month ($4,905/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2503551

Listing From:

Last updated: 2025-04-12T01:39:54.000Z

© , 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

6.54%
7.15%

Principal & Interest

$3,938 /mo
$4,191 /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 $292,138 (32%)
You can enter any amount below - secondary financing will cover the difference if needed.
32%
$

You cover the entire equity of $292,138!

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

Loan Breakdown

Assumed Mortgage6.54% Sellers Rate
$606,862
Your Cash$292,138
Total Purchase Price:$899,000

Assumed vs Traditional Mortgage

Assumed @ 6.54%
$3,938/mo
Traditional @ 7.15%
$4,347/mo
You save $409/month ($4,905/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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