Cheryl Riley

Cheryl Riley

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$839,000

($444,934 down)
FHA

1426 S Spruce Street, Santa Ana, CA 92704

3
2
1,163 sqft
PITI Monthly
$3,647.4 /mo

Listing courtesy of: Matthew Shinn, Shinn Real Estate Group

Assumed Rate

4.06%
7.15%

Principal & Interest

$2,229 /mo
$3,130 /mo

What's Special

DINING
SPACIOUS
FIREPLACE
WALK-IN CLOSET

Welcome to your new home! This beautiful property features a spacious and open floorplan with plenty of windows in every room for ample natural lighting. Upon entry, you'll be greeted with its inviting living room with a beautiful fireplace and spacious dining room with a view of the front yard. Next to the dining room is the beautiful kitchen that comes with plenty of counter and cabinet space. Sleep like a ROYALTY! You'll be impressed with the expansive primary ensuite that comes with walk-in closet and a nice primary bathroom. You will have to see this! The other two bedrooms are also spacious! Entertain family and friend gatherings in its spacious backyard that has a perfect balance of hardscape and grass and surrounded with block-wall fences. Come and see this house before it is sold!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.06
Remaining Loan Term
22 years, 7 months
Monthly PITI
$3,647.4/mo
Estimated Loan Balance
$397,617
Cash to close
$444,934
Interest Paid
$129,869

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: None
  • Heating: WallFurnace
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Private
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1952
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Sidewalks
HOA
  • Has HOA: No
Location
  • Region: Santa Ana

Financial Details

  • Price per Sqft: $721.41
  • Tax Annual Amount: $10487.5
  • 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 $444,934 (53%)
You can enter any amount below - secondary financing will cover the difference if needed.
53%
$

You cover the entire equity of $444,934!

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

Loan Breakdown

Assumed Mortgage4.06% Sellers Rate
$394,066
Your Cash:$444,934
Total Purchase Price:$839,000

Assumed vs Traditional Mortgage

Assumed @ 4.06%
$2,229/mo
Traditional @ 7.15%
$3,247/mo
You save $1,018/month ($12,218/year)

*Secondary financing rates are an estimated value based on input

MLS ID: OC25076922

Listing From:

Last updated: 2025-04-09T13:51:16.000Z

© , 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

4.06%
7.15%

Principal & Interest

$2,229 /mo
$3,130 /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 $444,934 (53%)
You can enter any amount below - secondary financing will cover the difference if needed.
53%
$

You cover the entire equity of $444,934!

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

Loan Breakdown

Assumed Mortgage4.06% Sellers Rate
$394,066
Your Cash:$444,934
Total Purchase Price:$839,000

Assumed vs Traditional Mortgage

Assumed @ 4.06%
$2,229/mo
Traditional @ 7.15%
$3,247/mo
You save $1,018/month ($12,218/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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