Joanie DiMatteo-Godsey

Joanie DiMatteo-Godsey

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$1,125,000

($653,241 down)
FHA

25057 Poderio Drive, Ramona, CA 92065

4
3
2,630 sqft
PITI Monthly
$4,201.19 /mo

Listing courtesy of: Brandon Powell, ReMax Direct

Assumed Rate

3.48%
7.15%

Principal & Interest

$2,357 /mo
$3,554 /mo

What's Special

LOCATION
SERENE
SPACIOUS
GRANITE COUNTERTOPS
VAULTED CEILINGS
HOME OFFICE
DECK
PATIO
CUL-DE-SAC
COZY

Stunning Family Home in Ramona’s San Diego Country Estates! Welcome to your dream home, located near the end of a serene cul-de-sac in this highly sought-after neighborhood. This spacious residence offers four inviting bedrooms plus a versatile bonus room, perfect for a home office, playroom, or guest suite. Backing up to greenbelt and a seasonal creek that adjoins the stunning Cleveland National Forest's Mt. Gower Preserve area, it offers the perfect blend of tranquility and adventure for your family. Endless outdoor play and exploration right in your own backyard! Step outside to your own private oasis, featuring a sparkling pool and spa complete with two captivating waterfall features, baja deck, water slide, and a cozy gas fire pit ideal for family gatherings and summer fun. Additionally, there is a 40’ x 100’ multipurpose area (prior volleyball court) for your family’s intended use. This is truly a home and location where kids can be kids! Inside, you'll appreciate the quality craftsmanship throughout with knotty alder cabinets, elegant granite countertops, and beautiful crown moldings. Other features include wood-framed interior windows, 9-foot ceilings on the first level, and vaulted ceilings upstairs, which creates an open and airy atmosphere. Enjoy the comfort of dual-zone heating and air conditioning, complemented by a whole house fan for energy efficiency. With approximately 600 square feet of covered porches and an additional covered patio by the pool, there's plenty of space for entertaining or simply relaxing in the fresh air. The oversized three-car garage features 10-foot ceilings and 8-foot doors, complete with a convenient drop-down ladder for easy access to attic storage. For the outdoor enthusiast, there's a concrete-paved RV parking area with a 30-amp hookup. Plus, you'll benefit from a high-production water well, meaning no water bill! This property is equipped with a 34-panel owned LG solar system and high-efficiency light fixtures, ensuring a sustainable and economical lifestyle. Don't miss out on this incredible opportunity to own a true family home in Ramona’s San Diego Country Estates, where comfort, convenience, and community come together beautifully!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.48
Remaining Loan Term
25 years, 0 months
Monthly PITI
$4,201.19/mo
Estimated Loan Balance
$477,631
Cash to close
$653,241
Interest Paid
$87,032

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir, Dual, WholeHouseFan, Zoned
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom, Kitchen, Outside, Propane
  • Flooring: Tile

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Composition, Shingle
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Well
Pool
  • Has Pool: Yes
  • Pool Features: Fenced, Gunite, Heated, InGround, PropaneHeat, Private, Waterfall

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Ranch
Materials
  • Unknown
  • Roof: Composition, Shingle
Condition
  • Year Built: 1999
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Biking, Curbs, DogPark, Foothills, Golf, Gutters, Hiking, HorseTrails, Stables, Mountainous, NearNationalForest, Park, PreservePublicLand, Rural, Ravine, StreetLights, Sidewalks
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: $427.76
  • Tax Annual Amount: $14062.5
  • On Market Date: 2025-04-03T00:00:00.000Z
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 $653,241 (58%)
You can enter any amount below - secondary financing will cover the difference if needed.
58%
$

You cover the entire equity of $653,241!

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

Loan Breakdown

Assumed Mortgage3.48% Sellers Rate
$471,759
Your Cash:$653,241
Total Purchase Price:$1,125,000

Assumed vs Traditional Mortgage

Assumed @ 3.48%
$2,357/mo
Traditional @ 7.5%
$3,686/mo
You save $1,329/month ($15,951/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2503239

Listing From:

Last updated: 2025-04-04T06:08:37.000Z

© , 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

3.48%
7.15%

Principal & Interest

$2,357 /mo
$3,554 /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 $653,241 (58%)
You can enter any amount below - secondary financing will cover the difference if needed.
58%
$

You cover the entire equity of $653,241!

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

Loan Breakdown

Assumed Mortgage3.48% Sellers Rate
$471,759
Your Cash:$653,241
Total Purchase Price:$1,125,000

Assumed vs Traditional Mortgage

Assumed @ 3.48%
$2,357/mo
Traditional @ 7.5%
$3,686/mo
You save $1,329/month ($15,951/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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