Bobi Hernandez

Bobi Hernandez

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Pending

$1,188,000

($565,227 down)
VA

455 Ponte Avenue, San Marcos, CA 92078

4
3
2,380 sqft
PITI Monthly
$4,351.45 /mo

Listing courtesy of: Brent Humpherys, Humpherys Homes & Estates

Assumed Rate

2.88%
7.15%

Principal & Interest

$2,814 /mo
$4,578 /mo

What's Special

REMODELED
LOCATION
DINING
SPACIOUS
STAINLESS STEEL APPLIANCES
BREAKFAST NOOK
FIREPLACE
PATIO
EFFICIENT
NO HOA

Welcome home to sweeping views, an expansive lot and significant energy savings from owned solar! Perched atop a beautifully manicured 24,394 SF lot, this spacious two-story home is a gardener's paradise and offers a rare combination of indoor comfort, outdoor beauty, and unbeatable value. With multiple entertaining patio, mature, producing fruit trees, and panoramic views, this is California living at its finest. Start your day sipping coffee at sunrise on your extensive covered front patio -- also a phenomenal place to catch enviable views of 4th of July fireworks. Inside, the main level features a formal living room with fireplace, a bright and inviting family room, and a separate dining room located just off the well-appointed kitchen with ample storage, cherry cabinetry and stainless steel appliances. A deep closet under the stairs would make a wonderful walk-in pantry, and you'll love the spacious breakfast nook. Upstairs, the primary suite boasts a remodeled spa-like bath and large closet which create a luxurious private retreat. Three additional generously-sized bedrooms and full bath offer flexibility for family or guests, and one of the bedrooms has large windows offering postcard views of North County. The location couldn't be more ideal with quick access to the 78 freeway making the commute a breeze, and the convenience of close access to just about anything. In addition to nearby golf courses and theaters, you will find 149 restaurants within a 5-mile radius rated 4+ stars, giving you endless options for dining and local flavor. And in a time when everyone is looking to save money, this home stands out with no Mello Roos, no HOA fees, an extensive, 21-panel solar array which has eliminated any balance on electricity bills, and thoughtfully designed water-efficient irrigation. Whether you're entertaining under the stars, harvesting fruit from your backyard, or simply enjoying the sweeping views, this home is a rare find that checks every box. In addition to the owner solar, the present owner of 12 years has made other thoughtful improvements which include a new roof, beautiful stonework and paving in the rear yard, the complete remodel of all three bathrooms, a gorgeous carriage style garage door, whole house rain gutters, an extensive stamped patio in the front, new air conditioning, updated carpet and floors, and all new appliances and stone counters in the kitchen. Complete list of owner upgrades and improvements is available upon request.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.88
Remaining Loan Term
26 years, 4 months
Monthly PITI
$4,351.45/mo
Estimated Loan Balance
$629,323
Cash to close
$565,227
Interest Paid
$68,787

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central, Fireplaces, Solar
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom, WoodBurning
  • Flooring: Carpet, SeeRemarks, Stone

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: SpanishTile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: SpanishTile
Condition
  • Year Built: 1984
Details
  • Builder:

Community & HOA

Community
  • Subdivision: San Marcos
  • Features: Curbs, Suburban, Sidewalks
HOA
  • Has HOA: No
Location
  • Region: San Marcos

Financial Details

  • Price per Sqft: $499.16
  • Tax Annual Amount: $14850
  • On Market Date: 2025-04-05T00:00:00.000Z
Inquire about this property

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Apply to Assume

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Savings Calculator

Current cash to close is $565,227 (48%)
You can enter any amount below - secondary financing will cover the difference if needed.
48%
$

You cover the entire equity of $565,227!

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

Loan Breakdown

Assumed Mortgage2.88% Sellers Rate
$622,773
Your Cash$565,227
Total Purchase Price:$1,188,000

Assumed vs Traditional Mortgage

Assumed @ 2.88%
$2,814/mo
Traditional @ 7.15%
$4,749/mo
You save $1,935/month ($23,215/year)

*Secondary financing rates are an estimated value based on input

MLS ID: ND25074657

Listing From:

Last updated: 2025-04-10T19:26:04.000Z

© , 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

2.88%
7.15%

Principal & Interest

$2,814 /mo
$4,578 /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 $565,227 (48%)
You can enter any amount below - secondary financing will cover the difference if needed.
48%
$

You cover the entire equity of $565,227!

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

Loan Breakdown

Assumed Mortgage2.88% Sellers Rate
$622,773
Your Cash$565,227
Total Purchase Price:$1,188,000

Assumed vs Traditional Mortgage

Assumed @ 2.88%
$2,814/mo
Traditional @ 7.15%
$4,749/mo
You save $1,935/month ($23,215/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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