Joanie DiMatteo-Godsey

Joanie DiMatteo-Godsey

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$798,000

($11,053 down)
VA

797 Lemon Avenue, El Cajon, CA 92020

4
2
1,403 sqft
PITI Monthly
$6,463.47 /mo

Listing courtesy of: Christine Menezes, Real Broker

Assumed Rate

7.24%
7.15%

Principal & Interest

$5,416 /mo
$5,367 /mo

What's Special

REMODELED
FIREPLACE
WALK-IN CLOSET
DECK
NO HOA

Take in stunning views of Mt. Helix from the front porch! This corner lot freshly painted single story 4-bedroom, 2-bathroom detached home lies in close proximity to Mt. Helix, and combines charm, functionality, and tons of potential. The primary bedroom is updated with a fireplace and a walk-in closet. With natural light coming in through every room, the interior feels bright and welcoming, creating that perfect space for daily life and special moments. This wonderful home offers dual pane windows, central A/C & Heat, granite counter-tops, recessed lighting, vinyl wood flooring, an in-house laundry room, water softener, reverse osmosis water system, solar and a large wooden deck with a fire pit. The 4th bedroom has a separate entrance, which could make it perfect for Airbnb or a renter! This home was remodeled in 2012 with new electrical and plumbing (blueprints available). The backyard is an absolute standout feature, offering plenty of space for creativity. Whether you’re dreaming of a garden or potential of an ADU or large workshop with attached carport, perhaps a place to park an RV, the possibilities are endless. The small shed conveys with the property, providing additional storage or workshop potential. With no HOA, this home is ready to be the backdrop for your next chapter!

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
7.24
Remaining Loan Term
28 years, 9 months
Monthly PITI
$6,463.47/mo
Estimated Loan Balance
$788,270
Cash to close
$11,053
Interest Paid
$71,512

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: PrimaryBedroom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: Yes
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1946
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Suburban
HOA
  • Has HOA: No
Location
  • Region: El Cajon

Financial Details

  • Price per Sqft: $568.78
  • Tax Annual Amount: $9975
  • On Market Date: 2025-01-23T00:00:00.000Z
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 $11,053 (1%)
You can enter any amount below - secondary financing will cover the difference if needed.
1%
$

You cover the entire equity of $11,053!

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

Loan Breakdown

Assumed Mortgage7.24% Sellers Rate
$786,947
Your Cash$11,053
Total Purchase Price:$798,000

Assumed vs Traditional Mortgage

Assumed @ 7.24%
$5,416/mo
Traditional @ 7.5%
$5,567/mo
You save $152/month ($1,820/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PTP2500608

Listing From:

Last updated: 2025-03-02T15:24:22.000Z

© , 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

7.24%
7.15%

Principal & Interest

$5,416 /mo
$5,367 /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 $11,053 (1%)
You can enter any amount below - secondary financing will cover the difference if needed.
1%
$

You cover the entire equity of $11,053!

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

Loan Breakdown

Assumed Mortgage7.24% Sellers Rate
$786,947
Your Cash$11,053
Total Purchase Price:$798,000

Assumed vs Traditional Mortgage

Assumed @ 7.24%
$5,416/mo
Traditional @ 7.5%
$5,567/mo
You save $152/month ($1,820/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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