Gino Zabala

Gino Zabala

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$685,999

($59,741 down)
FHA

8764 Bluff Lane, Fair Oaks, CA 95628

3
3
1,914 sqft
PITI Monthly
$4,105.48 /mo

Listing courtesy of: Tony James, Excel Realty Inc.

Assumed Rate

4.92%
7.15%

Principal & Interest

$3,476 /mo
$4,413 /mo

What's Special

DINING
DECK
PATIO
TENNIS COURTS

Never miss a Million-Dollar sunset again at the sought after community of The Bluffs. The views of river and valley are spectacular. Want a 5% Interest rate? This house offers an Assumable Loan. Sip and unwind watching the Sunset, or sit by the pool or tennis courts. You may want to play bocce ball or horseshoe. This 3 bed, 2 1/2 baths provides 1900 square feet but feels like much more. The updated front patio provides plenty of outdoor experiences, and the back deck has see though glass and trex. Take the back steps down into the trees and right onto the river in only a few steps. Recently updated carpet and flooring with Imperfect-Smooth paint for the upgrade. Did you say Whole house fan to cool off the house? Each room has its own separate fan controls. Make sure to look for the hidden closet in the master bedroom. Here a secret tip...Its behind the floor-to-ceiling mirrored closet doors. Upgraded master closet drawers and racks a year ago. Ceiling fan and dining room lighting has been updated a year ago and are sold with the property. Cabinets in the garage stay with the property and can hold/hide lots of holiday decor and extra party supplies. The garage cabinets can also host plenty of storage for tools and gardening equipment. Front door has fingerprint lock

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.92
Remaining Loan Term
27 years, 5 months
Monthly PITI
$4,105.48/mo
Estimated Loan Balance
$651,451
Cash to close
$59,741
Interest Paid
$81,472

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Central, Whole House Fan
  • Heating: Central, Fireplace Insert, Fireplace(s)
Features
  • Materials: Frame, Wood, Wood Siding
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Brick, Insert, Gas Piped
  • Flooring: Carpet, Laminate, Linoleum

Exterior

Fencing
  • Fencing:
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces: 0
Water
  • Sewer: In & Connected
  • Water Source: Meter on Site, Public
Pool
  • Has Pool: Yes
  • Pool Features: Built-In, Cabana, Common Facility

Construction

Type & Style
  • Stories: 0
  • Home type: Condominium
  • Architectural Style: Contemporary
Materials
  • Frame, Wood, Wood Siding
  • Roof: Composition
Condition
  • Year Built: 1976
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features:
HOA
  • Has HOA: Yes
  • HOA Name:
  • HOA Amenities: Unknown
  • HOA Fee: $470
  • HOA Frequency: $Monthly
Location
  • Region: Fair Oaks

Financial Details

  • Price per Sqft: $358.41
  • Tax Annual Amount: $
  • On Market Date: 2025-04-28T02:53:31.000Z
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 $59,741 (9%)
You can enter any amount below - secondary financing will cover the difference if needed.
9%
$

You cover the entire equity of $59,741!

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

Loan Breakdown

Assumed Mortgage4.92% Sellers Rate
$626,258
Your Cash$59,741
Total Purchase Price:$685,999

Assumed vs Traditional Mortgage

Assumed @ 4.92%
$3,476/mo
Traditional @ 7.15%
$4,578/mo
You save $1,102/month ($13,224/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 225053114

Listing From: MLS Metrolist

Last updated: 2025-04-29T21:10:00.000Z

© , MLS Metrolist. 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

4.92%
7.15%

Principal & Interest

$3,476 /mo
$4,413 /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 $59,741 (9%)
You can enter any amount below - secondary financing will cover the difference if needed.
9%
$

You cover the entire equity of $59,741!

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

Loan Breakdown

Assumed Mortgage4.92% Sellers Rate
$626,258
Your Cash$59,741
Total Purchase Price:$685,999

Assumed vs Traditional Mortgage

Assumed @ 4.92%
$3,476/mo
Traditional @ 7.15%
$4,578/mo
You save $1,102/month ($13,224/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Real Brokerage
Agent/Broker
Gino ZabalaReal Brokerage(623) 552-1225ginozabalarealestate@gmail.comMLS SA712685000

© 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 Real Brokerage 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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