Cheryl Riley

Cheryl Riley

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Coming Soon

$430,000

($164,531 down)
FHA

12125 Kentucky Circle, Champlin, MN 55316

5
2
2,185 sqft
PITI Monthly
$1,946.29 /mo

Listing courtesy of: , Keller Williams Classic Rlty NW

Assumed Rate

3.07%
7.15%

Principal & Interest

$1,214 /mo
$1,927 /mo

What's Special

SPACIOUS
MOVE-IN READY
GRANITE COUNTERTOPS
STAINLESS STEEL APPLIANCES
FIREPLACE
VAULTED CEILINGS
WALK-IN CLOSET
HOME OFFICE
DECK
PATIO
CUL-DE-SAC
CHARMING
COZY

Welcome home! This beautifully updated 5-bedroom home is move-in ready and waiting for its next chapter. Nestled on a quiet cul-de-sac in a charming neighborhood, you’ll enjoy the perfect blend of privacy and convenience with easy access to all that Champlin has to offer. From the moment you arrive, the home’s curb appeal will catch your eye: featuring newer siding, a newer roof, and a concrete driveway. Step inside to a warm and inviting family room complete with a cozy gas fireplace, plus the added convenience of main-level laundry. Head upstairs and be greeted by soaring vaulted ceilings and an abundance of natural light pouring through the oversized front living room window! The kitchen is a showstopper: boasting granite countertops, stainless steel appliances, and a brand-new backsplash. The upper level offers three spacious bedrooms, including a primary suite overlooking the deep backyard, complete with a walk-in closet. The lower level features two additional bedrooms; perfect for guests, a home office, or added privacy. Enjoy Minnesota’s seasons from your maintenance-free deck or patio with plenty of space to entertain or play in the spacious backyard. A three-car garage provides ample room for vehicles, storage, or all your outdoor gear. From your front door, take the city sidewalk right to Shores Park! And don’t forget: you’re just minutes from Andrews Park and Elm Creek Park Reserve, two of Champlin’s best outdoor destinations. Don’t miss your chance to call this home!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.07
Remaining Loan Term
26 years, 10 months
Monthly PITI
$1,946.29/mo
Estimated Loan Balance
$267,064
Cash to close
$164,531
Interest Paid
$26,837

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Central Air
  • Heating: Forced Air, Fireplace(s)
Features
  • Materials: Brick/Stone, Vinyl Siding
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Family Room, Gas
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Chain Link, Full, Privacy, Wood
Roof
  • Roof: Age 8 Years or Less, Asphalt
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Brick/Stone, Vinyl Siding
  • Roof: Age 8 Years or Less, Asphalt
Condition
  • Year Built: 1997
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Birhanzel 2nd Add
  • Features: None
HOA
  • Has HOA: No
Location
  • Region: Champlin

Financial Details

  • Price per Sqft: $196.8
  • Tax Annual Amount: $4568
  • On Market Date: 2025-04-13T00:00:00.000Z
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 $164,531 (38%)
You can enter any amount below - secondary financing will cover the difference if needed.
38%
$

You cover the entire equity of $164,531!

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

Loan Breakdown

Assumed Mortgage3.07% Sellers Rate
$265,469
Your Cash$164,531
Total Purchase Price:$430,000

Assumed vs Traditional Mortgage

Assumed @ 3.07%
$1,214/mo
Traditional @ 7.15%
$1,999/mo
You save $785/month ($9,421/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6702458

Listing From: northstar

Last updated: 2025-04-15T16:01:03.000Z

© , northstar. 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

3.07%
7.15%

Principal & Interest

$1,214 /mo
$1,927 /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 $164,531 (38%)
You can enter any amount below - secondary financing will cover the difference if needed.
38%
$

You cover the entire equity of $164,531!

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

Loan Breakdown

Assumed Mortgage3.07% Sellers Rate
$265,469
Your Cash$164,531
Total Purchase Price:$430,000

Assumed vs Traditional Mortgage

Assumed @ 3.07%
$1,214/mo
Traditional @ 7.15%
$1,999/mo
You save $785/month ($9,421/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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