Cheryl Riley

Cheryl Riley

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$719,000

($631,072 down)
VA

5531 Old Ranch Road UNIT 49, Oceanside, CA 92057

3
3
1,365 sqft
PITI Monthly
$1,708.04 /mo

Listing courtesy of: Morgan Brown, Morgan Brown Real Estate, Inc

Assumed Rate

2.6%
7.15%

Principal & Interest

$742 /mo
$1,003 /mo

What's Special

SERENE
ENTERTAINMENT
LUXURY
PATIO
BALCONY
EFFICIENT

*One of 3 Premium View Condos* "Nestled in a serene and exclusive community, this stunning condominium presents a rare opportunity to own a premium lot, meticulously maintained for the ultimate in luxury living. With breathtaking views of the pool, trees, and community area, this tranquil retreat offers an added layer of privacy. Perfect for indoor-outdoor living, the expansive patio and second-story balcony off the master bedroom invite you to bask in sunset vistas and savor morning coffee. Inside, discover an array of thoughtful upgrades, including custom cabinetry for ample storage, a bespoke entertainment center tailored for a large-screen TV, and ceiling fans in every bedroom. Additional features include a whole-house fan for efficient cooling and an attached two-car garage with elevated storage platforms. Residents of this esteemed community enjoy a worry-free lifestyle due to well funded reserves of the HOA. The monthly dues cover structural maintenance and insurance, trash services, and meticulous landscaping. With a robust reserve funding of 97%, homeowners can rest assured against special assessments. Additional highlights include a comprehensive appliance package, featuring a gas range, microwave, refrigerator, dishwasher, washer (2024), dryer, and optional upright freezer. Recent upgrades comprise a new water heater (2024) and a convenient water re-circulator. The Garage door is insulated. Ideally situated, this community offers a tranquil atmosphere, and proximity to local parks and the beach. Embodying the essence of low-maintenance, resort-style living, this exceptional property is a rare find. Don't miss this chance to own a piece of paradise."

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.6
Remaining Loan Term
11 years, 5 months
Monthly PITI
$1,708.04/mo
Estimated Loan Balance
$102,752
Cash to close
$631,072
Interest Paid
$9,287

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Community

Construction

Type & Style
  • Stories: 2
  • Home type: Condominium
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 2010
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: HorseTrails, Stables, Suburban, Sidewalks, Pool
HOA
  • Has HOA: Yes
  • HOA Name: Casitas at Spring Creek
  • HOA Amenities: Unknown
  • HOA Fee: $375
  • HOA Frequency: $Monthly
Location
  • Region: Oceanside

Financial Details

  • Price per Sqft: $526.74
  • Tax Annual Amount: $8987.5
  • On Market Date: 2025-04-12T00:00:00.000Z
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 $631,072 (88%)
You can enter any amount below - secondary financing will cover the difference if needed.
88%
$

You cover the entire equity of $631,072!

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

Loan Breakdown

Assumed Mortgage2.6% Sellers Rate
$87,928
Your Cash:$631,072
Total Purchase Price:$719,000

Assumed vs Traditional Mortgage

Assumed @ 2.6%
$742/mo
Traditional @ 7.15%
$1,026/mo
You save $284/month ($3,405/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2503052

Listing From:

Last updated: 2025-04-14T22:12:13.000Z

© , 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

2.6%
7.15%

Principal & Interest

$742 /mo
$1,003 /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 $631,072 (88%)
You can enter any amount below - secondary financing will cover the difference if needed.
88%
$

You cover the entire equity of $631,072!

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

Loan Breakdown

Assumed Mortgage2.6% Sellers Rate
$87,928
Your Cash:$631,072
Total Purchase Price:$719,000

Assumed vs Traditional Mortgage

Assumed @ 2.6%
$742/mo
Traditional @ 7.15%
$1,026/mo
You save $284/month ($3,405/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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