Cheryl Riley

Cheryl Riley

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$719,000

($453,862 down)
FHA

1431 Mount Whitney Way, Santa Maria, CA 93454

4
3
1,929 sqft
PITI Monthly
$2,936.02 /mo

Listing courtesy of: Lorraine Stahl, Coast West Realty & Property Management

Assumed Rate

4.43%
7.15%

Principal & Interest

$1,727 /mo
$2,321 /mo

What's Special

SPACIOUS
GRANITE COUNTERTOPS
PATIO

Spacious two story corner lot home in desirable neighborhood. Open floor plan has 10 foot ceilings. Easy maintenance landscaping. Large rear and side yards. RV parking next to house with new access gates. Two-car garage with extra area for storage - upper racks in garage will remain. Garage refrigerator also will remain. Newer windows installed. All carpeted bedrooms upstairs. Newer laminated floors downstairs. Large open kitchen with granite countertops recently updated. Home has been freshly painted. All appliances will remain with the home except for kitchen refrigerator. New dishwasher being installed. Samsung washer and dryer located inside home and will remain. Home is plumbed for soft water. Block wall surrounds the house. Backyard has some DG - sprinklers capped off in back yard (can be reopened). Gas piping for outside BBQ. Home has new roof. Shed to also remain with the home. Views from kitchen can see living room and family room. As you can see by the photos, the home is well maintained and clean. Light and bright. Large well built pergola shade on patio to remain with home. You will be pleasantly surprised at the homey feeling you get when you walk in. Bring your fridge and furniture and move right in.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.43
Remaining Loan Term
18 years, 11 months
Monthly PITI
$2,936.02/mo
Estimated Loan Balance
$311,128
Cash to close
$453,862
Interest Paid
$151,171

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: None
  • Heating: ForcedAir
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom
  • Flooring: Carpet, Laminate

Exterior

Fencing
  • Fencing: Masonry
Roof
  • Roof: Tile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Tile
Condition
  • Year Built: 1994
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Gutters
HOA
  • Has HOA: No
Location
  • Region: Santa Maria

Financial Details

  • Price per Sqft: $372.73
  • Tax Annual Amount: $8987.5
  • On Market Date: 2025-04-12T00:00:00.000Z
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Savings Calculator

Current cash to close is $453,862 (63%)
You can enter any amount below - secondary financing will cover the difference if needed.
63%
$

You cover the entire equity of $453,862!

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

Loan Breakdown

Assumed Mortgage4.43% Sellers Rate
$265,138
Your Cash:$453,862
Total Purchase Price:$719,000

Assumed vs Traditional Mortgage

Assumed @ 4.43%
$1,727/mo
Traditional @ 7.15%
$2,408/mo
You save $681/month ($8,167/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PI25080945

Listing From:

Last updated: 2025-04-13T13:57:02.000Z

© , 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

4.43%
7.15%

Principal & Interest

$1,727 /mo
$2,321 /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 $453,862 (63%)
You can enter any amount below - secondary financing will cover the difference if needed.
63%
$

You cover the entire equity of $453,862!

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

Loan Breakdown

Assumed Mortgage4.43% Sellers Rate
$265,138
Your Cash:$453,862
Total Purchase Price:$719,000

Assumed vs Traditional Mortgage

Assumed @ 4.43%
$1,727/mo
Traditional @ 7.15%
$2,408/mo
You save $681/month ($8,167/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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