Joanie DiMatteo-Godsey

Joanie DiMatteo-Godsey

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$1,199,900

($195,920 down)
VA

6735 Stephan Ct, Gilroy, CA 95020

5
3
2,554 sqft
PITI Monthly
$8,147.53 /mo

Listing courtesy of: OK Denchukwu, All Access Real Estate

Assumed Rate

6.81%
7.15%

Principal & Interest

$6,598 /mo
$6,828 /mo

What's Special

LOCATION
FRESH PAINT
DINING
SPACIOUS
GRANITE COUNTERTOPS
STAINLESS STEEL APPLIANCES
CUL-DE-SAC
CHARMING
NO HOA

Prime Location in South Gilroy! Nestled in a peaceful cul-de-sac within one of South Gilroy’s most desirable neighborhoods, this stunning two-story home offers the perfect blend of comfort and convenience. With 2,554 sq. ft. of living space on a spacious 7,400 sq. ft. lot, this property features 5 bedrooms and 3 full bathrooms, making it ideal for families of all sizes. The first floor boasts a guest-friendly bedroom and full bathroom, along with a versatile formal dining room that can double as an additional living space. The beautifully updated kitchen includes resurfaced cabinets, granite countertops, new stainless steel appliances, a large pantry, and double-pane windows and sliding doors that invite natural light throughout the home. Upstairs, you'll find brand-new carpeting, fresh paint, upgraded baseboards, new roof and a two-zone central A/C and heating system for year-round comfort. Enjoy relaxing on the charming front porch, or host gatherings in the expansive backyard—perfect for entertaining. Additional storage space is available above the garage. No HOA—just a fantastic opportunity to own a beautiful home in a sought-after location. Don’t miss out on this gem!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
6.81
Remaining Loan Term
29 years, 4 months
Monthly PITI
$8,147.53/mo
Estimated Loan Balance
$1,005,760
Cash to close
$195,920
Interest Paid
$45,761

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: WoodBurning
  • Flooring: Laminate, Tile

Exterior

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

Construction

Type & Style
  • Stories:
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1981
Details
  • Builder:

Community & HOA

Community
  • Subdivision: GILROY
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Gilroy

Financial Details

  • Price per Sqft: $469.81
  • Tax Annual Amount: $14998.8
  • 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 $195,920 (16%)
You can enter any amount below - secondary financing will cover the difference if needed.
16%
$

You cover the entire equity of $195,920!

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

Loan Breakdown

Assumed Mortgage6.81% Sellers Rate
$1,003,980
Your Cash$195,920
Total Purchase Price:$1,199,900

Assumed vs Traditional Mortgage

Assumed @ 6.81%
$6,598/mo
Traditional @ 7.5%
$7,083/mo
You save $485/month ($5,823/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 41088676

Listing From:

Last updated: 2025-04-04T19:58:36.000Z

© , 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

6.81%
7.15%

Principal & Interest

$6,598 /mo
$6,828 /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 $195,920 (16%)
You can enter any amount below - secondary financing will cover the difference if needed.
16%
$

You cover the entire equity of $195,920!

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

Loan Breakdown

Assumed Mortgage6.81% Sellers Rate
$1,003,980
Your Cash$195,920
Total Purchase Price:$1,199,900

Assumed vs Traditional Mortgage

Assumed @ 6.81%
$6,598/mo
Traditional @ 7.5%
$7,083/mo
You save $485/month ($5,823/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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