Cheryl Riley

Cheryl Riley

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$339,000

($151,641 down)
FHA

14839 Humbug Road, Magalia, CA 95954

4
3
2,331 sqft
PITI Monthly
$1,695.08 /mo

Listing courtesy of: Shane Collins, Re/Max of Chico

Assumed Rate

3.44%
7.15%

Principal & Interest

$1,029 /mo
$1,559 /mo

What's Special

SPACIOUS
FIREPLACE
SOAKING TUB
CHARMING
COZY
RENTAL INCOME

Welcome to 14839 Humbug Road – A Versatile Horse Property with Guest House on 1 Acre! This charming and well-appointed property offers a rare opportunity to own a fully fenced and cross-fenced 1-acre horse property in a peaceful, sunny corner of Magalia. With a barn, guest house, multiple storage areas, and room to garden or pasture, this property is ideal for animal lovers, hobbyists, or those simply seeking a little extra space and serenity. The main home features 1,733 square feet with 3 bedrooms and 2 bathrooms, highlighted by open-beamed ceilings in the spacious living room, a rock fireplace with woodstove insert, and a propane heater for cozy nights. The charming kitchen offers plenty of cabinet space, a propane range, and one of two lovely garden windows that bring in natural light and views of the outdoors. The primary suite includes two closets, a spa-sized soaking tub, and another garden window in the bath—perfect for relaxing and recharging. Additional features in the main home include dual pane windows, ceiling fans, and an indoor laundry/mud room. The detached guest house offers approximately 598 square feet with 1 bedroom, 1 bathroom, a full kitchen, woodstove in the living room, and laundry hook-ups - a fantastic setup for guests, extended family, or rental income. Between the two homes, you'll find additional storage areas along the walkway, plus another storage space behind the garage. Outside, the barn includes a concrete floor and two horse stalls, and the sunny open space is ideal for pasture, a large garden, or simply enjoying the beautiful surroundings. There’s also a 1-car garage for added convenience. This is the perfect blend of country charm, comfort, and function—don’t miss your chance to make 14839 Humbug Road your new home!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.44
Remaining Loan Term
21 years, 6 months
Monthly PITI
$1,695.08/mo
Estimated Loan Balance
$190,278
Cash to close
$151,641
Interest Paid
$61,501

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: WallWindowUnits
  • Heating: Fireplaces, Propane, WoodStove
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom, WoodBurning
  • Flooring: Carpet, Laminate, Tile, Vinyl

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: SepticTank
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Composition
Condition
  • Year Built: 1967
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Foothills, Mountainous, Rural
HOA
  • Has HOA: No
Location
  • Region: Magalia

Financial Details

  • Price per Sqft: $145.43
  • Tax Annual Amount: $4237.5
  • On Market Date: 2025-04-10T00:00:00.000Z
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 $151,641 (45%)
You can enter any amount below - secondary financing will cover the difference if needed.
45%
$

You cover the entire equity of $151,641!

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

Loan Breakdown

Assumed Mortgage3.44% Sellers Rate
$187,359
Your Cash$151,641
Total Purchase Price:$339,000

Assumed vs Traditional Mortgage

Assumed @ 3.44%
$1,029/mo
Traditional @ 7.15%
$1,617/mo
You save $588/month ($7,058/year)

*Secondary financing rates are an estimated value based on input

MLS ID: SN25077399

Listing From:

Last updated: 2025-04-13T20:28:57.000Z

© , 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

3.44%
7.15%

Principal & Interest

$1,029 /mo
$1,559 /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 $151,641 (45%)
You can enter any amount below - secondary financing will cover the difference if needed.
45%
$

You cover the entire equity of $151,641!

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

Loan Breakdown

Assumed Mortgage3.44% Sellers Rate
$187,359
Your Cash$151,641
Total Purchase Price:$339,000

Assumed vs Traditional Mortgage

Assumed @ 3.44%
$1,029/mo
Traditional @ 7.15%
$1,617/mo
You save $588/month ($7,058/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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