Joanie DiMatteo-Godsey

Joanie DiMatteo-Godsey

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$224,000

($25,423 down)
FHA

365 Bates Avenue, Saint Paul, MN 55106

4
2
1,558 sqft
PITI Monthly
$1,705.2 /mo

Listing courtesy of: , Mauzy Properties

Assumed Rate

5.41%
7.15%

Principal & Interest

$1,159 /mo
$1,393 /mo

What's Special

DINING
SPACIOUS
STAINLESS STEEL APPLIANCES
HOME OFFICE
MATURE TREES
CHARMING

ASSUMABLE LOAN at 4.5% available for qualified buyers! Home is being sold AS IS. Step into this charming and spacious home that perfectly blends character, comfort, and functionality! With four bedrooms, two bathrooms, and multiple bonus rooms, there's plenty of space to grow and gather. The main floor features an open floor plan with a natural flow between the living, dining, and kitchen areas perfect for everyday living and entertaining. You'll love the mix hardwood and LVP flooring, a formal dining room, and a bright, inviting kitchen. Enjoy your morning coffee on the sunny 3-season porch off the kitchen or relax on the oversized screened-in front porch. The walkout basement is a standout feature, offering easy access to the backyard while keeping the mess outside. It's ideal for enjoying the fresh air, gardening, or letting the kids and pets come and go without tracking mud through the home. Major updates include stainless steel appliances (2022), new carpet (2022), dishwasher and disposal (2023), and several new windows (2023). Upstairs, the primary bedroom includes its own private sitting area, and two additional bonus rooms provide flexible space for a home office, playroom, or hobbies. The backyard is fully fenced with mature trees and fire-pit ready for spring and summer fun. Located just minutes from major highways, hospitals, and public transit, this home checks all the boxes for comfort, convenience, and charm!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
5.41
Remaining Loan Term
27 years, 5 months
Monthly PITI
$1,705.2/mo
Estimated Loan Balance
$199,362
Cash to close
$25,423
Interest Paid
$28,315

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Window Unit(s)
  • Heating: Forced Air
Features
  • Materials: Vinyl Siding
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Age Over 8 Years
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Vinyl Siding
  • Roof: Age Over 8 Years
Condition
  • Year Built: 1895
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Lyman Dayton Add
  • Features: None
HOA
  • Has HOA: No
Location
  • Region: Saint Paul

Financial Details

  • Price per Sqft: $143.77
  • Tax Annual Amount: $3000
  • On Market Date: 2025-04-04T00:00:00.000Z
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 $25,423 (11%)
You can enter any amount below - secondary financing will cover the difference if needed.
11%
$

You cover the entire equity of $25,423!

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

Loan Breakdown

Assumed Mortgage5.41% Sellers Rate
$198,577
Your Cash$25,423
Total Purchase Price:$224,000

Assumed vs Traditional Mortgage

Assumed @ 5.41%
$1,159/mo
Traditional @ 7.5%
$1,445/mo
You save $285/month ($3,425/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6696699

Listing From: northstar

Last updated: 2025-04-04T16:05:04.000Z

© , northstar. 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

5.41%
7.15%

Principal & Interest

$1,159 /mo
$1,393 /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 $25,423 (11%)
You can enter any amount below - secondary financing will cover the difference if needed.
11%
$

You cover the entire equity of $25,423!

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

Loan Breakdown

Assumed Mortgage5.41% Sellers Rate
$198,577
Your Cash$25,423
Total Purchase Price:$224,000

Assumed vs Traditional Mortgage

Assumed @ 5.41%
$1,159/mo
Traditional @ 7.5%
$1,445/mo
You save $285/month ($3,425/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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