Britney  Galvan

Britney Galvan

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$559,500

($145,673 down)
FHA

3668 Spoto Drive, Rancho Cordova, CA 95670

4
3
1,930 sqft
PITI Monthly
$2,541.63 /mo

Listing courtesy of: Mel L Ilagan, Real Estate Source Inc

Assumed Rate

3.85%
7.15%

Principal & Interest

$2,063 /mo
$2,972 /mo

What's Special

SPACIOUS
STAINLESS STEEL APPLIANCES
PLAYGROUND

3 YEARS NEW!, SOLAR OWNED!, 1,930 Sq. ft. 2 Story 4Bd., 3Ba., where one of the Bedroom is downstairs. What a wonderful opportunity to own a home on the cul de sac where there is no neighbor and open area on one side. Stone Creek Community Park is across the house has an open air Amphitheater, Splash Pad, Skate Park, Playgrounds, Picnic areas, and Athletic Fields. Newer LG Refrigerator, LG Smart Thin Q Technology Washer, & Dryer are all included in the sale. Spacious Kitchen with elegant Black cabinets, contrasting with white quartz countertop. Kitchen also have stainless steel appliances, and a peninsula. Open floorplan/Great room concept with the Kitchen/family room combo. Master bathroom has His, & her sinks, and spacious closet. All bathrooms have the upgraded shower heads. Laundry is on the upper level. Garage can fit 2 cars, and it has epoxy floor paint. There are 4 security solar powered Ring brand cameras around the house with built in alarm and sensor activated flood lights. Plus one Ring brand security camera inside the house.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.85
Remaining Loan Term
26 years, 11 months
Monthly PITI
$2,541.63/mo
Estimated Loan Balance
$416,019
Cash to close
$145,673
Interest Paid
$50,799

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Ceiling Fan(s), Central, MultiZone
  • Heating: Central, Gas, Heat Pump, Hot Water, MultiZone
Features
  • Materials: Brick, Brick Veneer, Concrete, Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features:
  • Flooring: Carpet, Tile

Exterior

Fencing
  • Fencing: Wood
Roof
  • Roof: Tile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces: 0
Water
  • Sewer: In & Connected, Public Sewer
  • Water Source: Meter on Site, Water District, Public
Pool
  • Has Pool: No
  • Pool Features:

Construction

Type & Style
  • Stories: 0
  • Home type: Single Family Residence
  • Architectural Style: Mid-Century, Contemporary
Materials
  • Brick, Brick Veneer, Concrete, Stucco
  • Roof: Tile
Condition
  • Year Built: 2021
Details
  • Builder: Elliott Homes

Community & HOA

Community
  • Subdivision:
  • Features:
HOA
  • Has HOA: Yes
  • HOA Name:
  • HOA Amenities: Unknown
  • HOA Fee: $112
  • HOA Frequency: $Monthly
Location
  • Region: Rancho Cordova

Financial Details

  • Price per Sqft: $289.9
  • Tax Annual Amount: $
  • On Market Date: 2025-04-23T06:38:09.000Z
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 $145,673 (26%)
You can enter any amount below - secondary financing will cover the difference if needed.
26%
$

You cover the entire equity of $145,673!

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

Loan Breakdown

Assumed Mortgage3.85% Sellers Rate
$413,827
Your Cash$145,673
Total Purchase Price:$559,500

Assumed vs Traditional Mortgage

Assumed @ 3.85%
$2,063/mo
Traditional @ 7.15%
$3,083/mo
You save $1,020/month ($12,241/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 225015904

Listing From: MLS Metrolist

Last updated: 2025-04-14T06:22:02.000Z

© , MLS Metrolist. 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

3.85%
7.15%

Principal & Interest

$2,063 /mo
$2,972 /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 $145,673 (26%)
You can enter any amount below - secondary financing will cover the difference if needed.
26%
$

You cover the entire equity of $145,673!

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

Loan Breakdown

Assumed Mortgage3.85% Sellers Rate
$413,827
Your Cash$145,673
Total Purchase Price:$559,500

Assumed vs Traditional Mortgage

Assumed @ 3.85%
$2,063/mo
Traditional @ 7.15%
$3,083/mo
You save $1,020/month ($12,241/year)

*Secondary financing rates are an estimated value based on input

Follow Us
UME Realty Group
Agent/Broker
Britney GalvanUME Realty Group(818) 398-0602Britney@umerealtygroup.comMLS

© 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 UME Realty Group 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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