Joanie DiMatteo-Godsey

Joanie DiMatteo-Godsey

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Active

$899,000

($332,585 down)
VA

16428 Swartz Canyon Rd, Ramona, CA 92065

4
3
3,015 sqft
PITI Monthly
$3,736.51 /mo

Listing courtesy of: Jenn Ragusa, Compass

Assumed Rate

2.83%
7.15%

Principal & Interest

$2,583 /mo
$4,230 /mo

What's Special

SERENE
DINING
SPACIOUS
BREAKFAST NOOK
FIREPLACE
WALK-IN CLOSET
CHARMING
COZY

Welcome to your private oasis in San Diego Country Estates! This spacious near half-acre gated estate is nestled beneath towering California oaks, offering curb appeal and timeless character. With countless upgrades and thoughtful details throughout, this home is an inviting showcase. Step inside to discover formal living and dining areas that feature thoughtful & timeless touches, complemented by a spacious family room perfect for gathering and relaxation. The heart of the home is the expansive kitchen, complete with a charming garden window, abundant storage, convenient breakfast nook, an eat-up bar, and plenty of room to create culinary masterpieces. An atrium-style staircase bathed in natural light leads to the luxurious primary suite, a serene retreat featuring a private terrace, cozy fireplace, two generous walk-in closets, a dual sink vanity and a spa-like bathroom designed for ultimate relaxation. The expansive lot offers an idyllic and private setting for outdoor living and entertaining. The backyard is an entertainer’s dream, with ample space for hosting guests or simply enjoying the peaceful surroundings. Backing up to the community bridal trail with your own gated direct access, there is also plenty of room for your private horse corral. Best of all, the estate’s lush landscaping is sustained by a dedicated private well, keeping your gardens thriving year-round without the worry of high water bills. With a spacious three-car garage with room for storage, and plenty of driveway space for extra vehicles, RVs, boat, etc., all within a setting that perfectly balances sophistication and comfort, this estate is a rare find. Experience California living at its finest—schedule your private tour today!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.83
Remaining Loan Term
25 years, 9 months
Monthly PITI
$3,736.51/mo
Estimated Loan Balance
$673,839
Cash to close
$332,585
Interest Paid
$71,870

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir, Propane
Features
  • Materials: Stucco, WoodSiding
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom, LivingRoom, PrimaryBedroom
  • Flooring: Tile, Wood

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • 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, WoodSiding
  • Roof: Unknown
Condition
  • Year Built: 1987
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Ramona
  • Features: Unknown
HOA
  • Has HOA: Yes
  • HOA Name: San Diego Country Estates
  • HOA Amenities: Unknown
  • HOA Fee: $175
  • HOA Frequency: $Monthly
Location
  • Region: Ramona

Financial Details

  • Price per Sqft: $298.18
  • Tax Annual Amount: $11237.5
  • On Market Date: 2025-04-04T00:00:00.000Z
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 $332,585 (37%)
You can enter any amount below - secondary financing will cover the difference if needed.
37%
$

You cover the entire equity of $332,585!

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

Loan Breakdown

Assumed Mortgage2.83% Sellers Rate
$566,415
Your Cash$332,585
Total Purchase Price:$899,000

Assumed vs Traditional Mortgage

Assumed @ 2.83%
$2,583/mo
Traditional @ 7.5%
$4,388/mo
You save $1,804/month ($21,652/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250023368SD

Listing From:

Last updated: 2025-04-04T15:52:26.000Z

© , 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

2.83%
7.15%

Principal & Interest

$2,583 /mo
$4,230 /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 $332,585 (37%)
You can enter any amount below - secondary financing will cover the difference if needed.
37%
$

You cover the entire equity of $332,585!

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

Loan Breakdown

Assumed Mortgage2.83% Sellers Rate
$566,415
Your Cash$332,585
Total Purchase Price:$899,000

Assumed vs Traditional Mortgage

Assumed @ 2.83%
$2,583/mo
Traditional @ 7.5%
$4,388/mo
You save $1,804/month ($21,652/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Compass
Agent/Broker
Joanie DiMatteo-GodseyCompass(480) 457-0340joanie@azhomesbyjoanie.comMLS

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