Greg Hammond

Greg Hammond

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$1,400,000

($292,540 down)
FHA

4461 Ranchgrove Drive, Irvine, CA 92604

4
2
1,116 sqft
PITI Monthly
$9,331.15 /mo

Listing courtesy of: Charles Chamorro, eXp Realty of California Inc

Assumed Rate

6.47%
7.15%

Principal & Interest

$7,030 /mo
$7,536 /mo

What's Special

REMODELED
SHOPPING
DINING
SPACIOUS
MODERN
LUXURY
VAULTED CEILINGS
MATURE TREES
LANDSCAPED
NO HOA

No HOA and No Mello Roos! This beautifully updated single-level home in the desirable Willows neighborhood of Irvine offers modern living with exceptional long-term value. Thoughtfully designed for comfort and efficiency, this 3-bedroom residence, plus a bonus room currently used as a 4th bedroom, sits on a generous 5,787 sq. ft. lot. The remodeled open-concept kitchen showcases quartz countertops, soft-close cabinetry, a GE stainless steel range and microwave, and a new stainless sink with a Kohler faucet. Bathrooms have been tastefully upgraded with new vanities, one-piece Kohler toilets, and sleek fixtures. Vaulted ceilings and recessed LED lighting in the living room enhance the bright and open feel, while dual-pane windows and sliding doors fill the space with natural light and open to a beautifully landscaped backyard with mature trees and vibrant flowers. Additional updates include luxury vinyl plank flooring throughout, two-panel interior doors with modern lever handles, mirrored closet doors, large baseboards, Decora switches and plugs, ceiling fans in the bedrooms and dining room, a newer HVAC system, and fresh interior and exterior paint. The home also includes a spacious two-car garage with direct access and an extended driveway. Ideally located near Irvine's top-rated schools, parks, libraries, community centers, and just minutes from the Irvine Spectrum, shopping, freeways, and toll roadsthis move-in-ready home is a rare find offering simplicity, style, and outstanding value with no extra monthly fees.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.47
Remaining Loan Term
29 years, 4 months
Monthly PITI
$9,331.15/mo
Estimated Loan Balance
$1,110,600
Cash to close
$292,540
Interest Paid
$47,970

Facts & Features

Interior

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

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • 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: SeeRemarks
Materials
  • Unknown
  • Roof: Unknown
Condition
  • Year Built: 1971
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Irvine

Financial Details

  • Price per Sqft: $1,254.48
  • Tax Annual Amount: $17500
  • On Market Date: 2025-03-15T00:00:00.000Z
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 $292,540 (21%)
You can enter any amount below - secondary financing will cover the difference if needed.
21%
$

You cover the entire equity of $292,540!

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

Loan Breakdown

Assumed Mortgage6.47% Sellers Rate
$1,107,460
Your Cash$292,540
Total Purchase Price:$1,400,000

Assumed vs Traditional Mortgage

Assumed @ 6.47%
$7,030/mo
Traditional @ 7.15%
$7,817/mo
You save $786/month ($9,438/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 25512139

Listing From:

Last updated: 2025-04-12T20:40:21.000Z

© , 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

6.47%
7.15%

Principal & Interest

$7,030 /mo
$7,536 /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 $292,540 (21%)
You can enter any amount below - secondary financing will cover the difference if needed.
21%
$

You cover the entire equity of $292,540!

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

Loan Breakdown

Assumed Mortgage6.47% Sellers Rate
$1,107,460
Your Cash$292,540
Total Purchase Price:$1,400,000

Assumed vs Traditional Mortgage

Assumed @ 6.47%
$7,030/mo
Traditional @ 7.15%
$7,817/mo
You save $786/month ($9,438/year)

*Secondary financing rates are an estimated value based on input

Follow Us
UME Realty Group
Agent/Broker
Greg HammondUME Realty Group(480) 522-9318greg@umerealtygroup.comMLS

© 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 UME Realty Group 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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