Cheryl Riley

Cheryl Riley

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$925,000

($450,488 down)
VA

1493 Lily Ave, El Cajon, CA 92021

5
3
2,794 sqft
PITI Monthly
$3,985.56 /mo

Listing courtesy of: J.C. Agajanian, eXp Realty of California, Inc.

Assumed Rate

5.52%
7.15%

Principal & Interest

$2,805 /mo
$3,330 /mo

What's Special

SHOPPING
DINING
SPACIOUS
MODERN
LUXURY
HOME OFFICE
SAFE
CHARMING

Welcome to your dream home! If you’ve been looking for room to breathe, allow me to present this spacious family home tucked away on a hill in charming Bostonia. This 5-bedroom, 3-bathroom treasure is a true find, offering modern upgraded finishes and a sunroom that can serve several purposes. With nearly 2,800 sq. ft. of living space, this home is perfect for large families, multi-generational living, and entertaining. The homes layout allows the kitchen to flow seamlessly into the dining and living rooms, making sense of daily life and simplifying your party prep. Upstairs your huge primary suite awaits with quick easy access to additional bedrooms. Out back you’ve got plenty of room for entertaining, play space for kids and/or pets, and is a fantastic spot for barbecues on those hot summer nights. Being able to park your boat, RV, or extra vehicles is a real luxury as is the built-in kennel and extra storage shed/workshop discretely positioned on the side of the home. It’s close proximity to schools, parks, and shopping make this home ideal for quickly settling into the area and meeting neighbors. Wise decisions in the past have added to the home, security system safety plus cost-savings and environmentally friendly amenities, including a solar power system and a tankless water heater.... More in supplemental remarks - The sunlit room just off the primary & second bedroom, looking out and over on your private, fenced back yard (with direct stairway access) provides a relaxing year-round sanctuary, perfect for a work from home office, morning coffee space, a playroom for the kids, a nursery, TV room, or a comfortable and convenient spot for family gatherings.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
5.52
Remaining Loan Term
27 years, 4 months
Monthly PITI
$3,985.56/mo
Estimated Loan Balance
$475,749
Cash to close
$450,488
Interest Paid
$71,285

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir, NaturalGas
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

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

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Composition
Condition
  • Year Built: 1961
Details
  • Builder:

Community & HOA

Community
  • Subdivision: El Cajon
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: El Cajon

Financial Details

  • Price per Sqft: $331.07
  • Tax Annual Amount: $11562.5
  • On Market Date: 2025-04-12T00:00:00.000Z
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 $450,488 (49%)
You can enter any amount below - secondary financing will cover the difference if needed.
49%
$

You cover the entire equity of $450,488!

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

Loan Breakdown

Assumed Mortgage5.52% Sellers Rate
$474,512
Your Cash$450,488
Total Purchase Price:$925,000

Assumed vs Traditional Mortgage

Assumed @ 5.52%
$2,805/mo
Traditional @ 7.15%
$3,454/mo
You save $648/month ($7,782/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250023567SD

Listing From:

Last updated: 2025-04-09T19:15:43.000Z

© , 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

5.52%
7.15%

Principal & Interest

$2,805 /mo
$3,330 /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 $450,488 (49%)
You can enter any amount below - secondary financing will cover the difference if needed.
49%
$

You cover the entire equity of $450,488!

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

Loan Breakdown

Assumed Mortgage5.52% Sellers Rate
$474,512
Your Cash$450,488
Total Purchase Price:$925,000

Assumed vs Traditional Mortgage

Assumed @ 5.52%
$2,805/mo
Traditional @ 7.15%
$3,454/mo
You save $648/month ($7,782/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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