Bobi Hernandez

Bobi Hernandez

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$599,999

($271,127 down)
VA

12046 Calle De Montana UNIT 275, El Cajon, CA 92019

2
3
1,139 sqft
PITI Monthly
$2,320.32 /mo

Listing courtesy of: Cyrene Dellinger, Keller Williams Encino/Sherman Oaks

Assumed Rate

2.94%
7.15%

Principal & Interest

$1,529 /mo
$2,468 /mo

What's Special

LOCATION
SERENE
DINING
SPACIOUS
MODERN
GRANITE COUNTERTOPS
PATIO
BALCONY
MOUNTAIN VIEWS
CHARMING

Welcome to this charming two-story condo in El Cajon, offering both comfort and convenience! This beautifully designed home situated in one of the most desirable and private locations in the complex with no rear neighbors features two spacious primary bedrooms, both located upstairs, providing ultimate privacy and flexibility. The downstairs living area is open and inviting, with stylish wood flooring throughout and a modern half bath for guests. The kitchen boasts sleek granite countertops, perfect for both cooking and entertaining, while the bathrooms showcase elegant stone counters for a refined touch. Enjoy the added convenience of washer and dryer hookups located inside the unit, and rest easy knowing that the washer, dryer, and refrigerator are included. A one-car garage provides parking and extra storage space, with an additional uncovered parking spot for guests or second vehicles. Step out from the dining room to a private patio and take in the serene mountain views, offering a peaceful retreat at the end of the day. There is also a private balcony off of one of the primary suites, offering the same views and privacy. The well-maintained community offers fantastic amenities such as a gym, 2 pools and spas—perfect for relaxing or hosting friends. Grounds are meticulously cared for, ensuring a beautiful environment all year round. Plus, enjoy the benefit of low HOA dues, making this property even more desirable. This complex is FHA approved, per the HOA. This condo is the perfect combination of modern living, private space, and resort-style amenities in a convenient El Cajon location. Don’t miss out on this wonderful opportunity!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.94
Remaining Loan Term
25 years, 6 months
Monthly PITI
$2,320.32/mo
Estimated Loan Balance
$333,173
Cash to close
$271,127
Interest Paid
$46,024

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 2
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central, Fireplaces
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Gas
  • Flooring: Tile, Wood

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: Community, InGround, Association

Construction

Type & Style
  • Stories: 2
  • Home type: Townhouse
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1992
Details
  • Builder:

Community & HOA

Community
  • Subdivision: El Cajon
  • Features: Foothills, Hiking, StreetLights, Suburban, Sidewalks, Pool
HOA
  • Has HOA: Yes
  • HOA Name: Rancho Villas
  • HOA Amenities: Unknown
  • HOA Fee: $349
  • HOA Frequency: $Monthly
Location
  • Region: El Cajon

Financial Details

  • Price per Sqft: $526.78
  • Tax Annual Amount: $7499.99
  • On Market Date: 2025-04-09T00:00:00.000Z
Inquire about this property

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Apply to Assume

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Savings Calculator

Current cash to close is $271,127 (45%)
You can enter any amount below - secondary financing will cover the difference if needed.
45%
$

You cover the entire equity of $271,127!

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

Loan Breakdown

Assumed Mortgage2.94% Sellers Rate
$328,872
Your Cash$271,127
Total Purchase Price:$599,999

Assumed vs Traditional Mortgage

Assumed @ 2.94%
$1,529/mo
Traditional @ 7.15%
$2,560/mo
You save $1,031/month ($12,374/year)

*Secondary financing rates are an estimated value based on input

MLS ID: SR25076911

Listing From:

Last updated: 2025-04-13T23:30:15.000Z

© , 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

2.94%
7.15%

Principal & Interest

$1,529 /mo
$2,468 /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 $271,127 (45%)
You can enter any amount below - secondary financing will cover the difference if needed.
45%
$

You cover the entire equity of $271,127!

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

Loan Breakdown

Assumed Mortgage2.94% Sellers Rate
$328,872
Your Cash$271,127
Total Purchase Price:$599,999

Assumed vs Traditional Mortgage

Assumed @ 2.94%
$1,529/mo
Traditional @ 7.15%
$2,560/mo
You save $1,031/month ($12,374/year)

*Secondary financing rates are an estimated value based on input

Follow Us
UMe Assumptions
Agent/Broker
Bobi Hernandez(602) 761-0781bobisellsazhomes@gmail.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 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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