Ramon Casaus

Ramon Casaus

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$480,500

($323,391 down)
FHA

1429 E ELGIN Street, Gilbert, AZ 85295

3
3
1,724 sqft
PITI Monthly
$1,333.19 /mo

Listing courtesy of: Mike Schude, Keller Williams Integrity First

Assumed Rate

3.67%
7.15%

Principal & Interest

$928 /mo
$1,366 /mo

What's Special

SHOPPING
ENTERTAINMENT
DINING
SPACIOUS
STAINLESS STEEL APPLIANCES
HOME OFFICE
EFFICIENT

Where else can you find a 4.125% interest rate in today's market? Right here with this rare assumable loan! Combine that with HOA covered front yard landscaping, all roof repairs and replacement, and full exterior maintenance, and you've got a home that's as easy to maintain as it is to love. This beautifully cared for 3 bedroom, 3 bathroom home offers comfort and versatility, with a full bath and den on the main floor perfect for guests, a home office, or flexible living space. Energy-efficient features like a main level mini split system and sunscreens on every window help keep summer utility costs down. The kitchen is designed for everyday function and weekend fun, with stainless steel appliances, generous cabinet storage, and plenty of room to gather. The spacious laundry room with extra storage adds even more practicality. Out back, enjoy your own low maintenance oasis with lush turf that looks great year round. Whether you're hosting BBQs or simply relaxing, the space is made for easy enjoyment. Just minutes from SanTan Village's shopping, dining, and entertainment and only 1.5 miles from the San Tan Freeway this home offers the perfect blend of style, convenience, and value. Don't miss your chance to lock in a rare interest rate and stress free lifestyle!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.67
Remaining Loan Term
19 years, 10 months
Monthly PITI
$1,333.19/mo
Estimated Loan Balance
$158,884
Cash to close
$323,391
Interest Paid
$67,558

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Central Air, Ceiling Fan(s), Programmable Thmstat
  • Heating: Natural Gas
Features
  • Materials: Stucco, Wood Frame, Painted
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Carpet, Tile

Exterior

Fencing
  • Fencing: Block
Roof
  • Roof: Tile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: Yes
  • Carport Spaces: 2
Water
  • Sewer: Public Sewer
  • Water Source: City Water
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: Townhouse
  • Architectural Style:
Materials
  • Stucco, Wood Frame, Painted
  • Roof: Tile
Condition
  • Year Built: 2004
Details
  • Builder: Fulton Homes

Community & HOA

Community
  • Subdivision: SPECTRUM AT VAL VISTA
  • Features: Community Pool, Tennis Court(s), Playground
HOA
  • Has HOA: Yes
  • HOA Name: Spectrum
  • HOA Amenities: Unknown
  • HOA Fee: $603
  • HOA Frequency: $Quarterly
Location
  • Region: Gilbert

Financial Details

  • Price per Sqft: $278.71
  • Tax Annual Amount: $1148
  • On Market Date: 2025-03-26T22:10:06.000Z
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 $323,391 (67%)
You can enter any amount below - secondary financing will cover the difference if needed.
67%
$

You cover the entire equity of $323,391!

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

Loan Breakdown

Assumed Mortgage3.67% Sellers Rate
$157,109
Your Cash:$323,391
Total Purchase Price:$480,500

Assumed vs Traditional Mortgage

Assumed @ 3.67%
$928/mo
Traditional @ 7.15%
$1,417/mo
You save $489/month ($5,874/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 6841389

Listing From: Arizona Regional Multiple Listing Service (ARMLS)

Last updated: 2025-05-15T01:10:00.000Z

© , Arizona Regional Multiple Listing Service (ARMLS). 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

3.67%
7.15%

Principal & Interest

$928 /mo
$1,366 /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 $323,391 (67%)
You can enter any amount below - secondary financing will cover the difference if needed.
67%
$

You cover the entire equity of $323,391!

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

Loan Breakdown

Assumed Mortgage3.67% Sellers Rate
$157,109
Your Cash:$323,391
Total Purchase Price:$480,500

Assumed vs Traditional Mortgage

Assumed @ 3.67%
$928/mo
Traditional @ 7.15%
$1,417/mo
You save $489/month ($5,874/year)

*Secondary financing rates are an estimated value based on input

Follow Us
ROC Real Estate Partners
Agent/Broker
Ramon CasausROC Real Estate Partners(602) 851-8048ramon.casaus@rocrep.comMLS SA703844000

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than ROC Real Estate Partners are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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