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$394,500

($174,548 down)
FHA

10638 N 15TH Lane, Phoenix, AZ 85029

3
2
1,641 sqft
PITI Monthly
$1,587.84 /mo

Listing courtesy of: Timothy Stempkowski, My Home Group Real Estate

Assumed Rate

3.62%
7.15%

Principal & Interest

$1,120 /mo
$1,660 /mo

What's Special

DINING
SPACIOUS
WALK-IN CLOSET
PATIO
COZY
NO HOA

This is a rare 2018 build in an established community with NO HOA & a good sized lot! This 3 bed & 2 bath home features a spacious open floor plan with upgrades all over! Entering the home you find tile flooring throughout with the living area, dining area, and kitchen full of natural light! The kitchen features gorgeous cabinetry, granite counters, a large stainless sink & matching stainless appliances! The bedrooms are cozy & carpeted with a spacious primary bedroom & en-suite bathroom fitted with a tiled walk-in shower, walk-in closet, and dual sink vanity! The guest bedrooms are well-sized with good lighting, fans, and spacious closets, as well! The indoor laundry room & 2-car garage round out the interior features! Out back is a huge covered patio & options with a large yard!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.62
Remaining Loan Term
24 years, 6 months
Monthly PITI
$1,587.84/mo
Estimated Loan Balance
$221,313
Cash to close
$174,548
Interest Paid
$46,308

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Central Air, Ceiling Fan(s), ENERGY STAR Qualified Equipment, Programmable Thmstat
  • Heating: Natural Gas
Features
  • Materials: Synthetic Stucco, Wood Frame, Painted, Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Carpet, Tile

Exterior

Fencing
  • Fencing: Block
Roof
  • Roof: Composition
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: 1
  • Home type: Single Family Residence
  • Architectural Style: Ranch
Materials
  • Synthetic Stucco, Wood Frame, Painted, Stucco
  • Roof: Composition
Condition
  • Year Built: 2018
Details
  • Builder: Star Valley Contracting

Community & HOA

Community
  • Subdivision: DESERT COVE EXTENSION LOTS 1-4, 13-20, 29-32
  • Features: Near Light Rail Stop, Near Bus Stop
HOA
  • Has HOA: No
Location
  • Region: Phoenix

Financial Details

  • Price per Sqft: $240.4
  • Tax Annual Amount: $1726
  • On Market Date: 2024-12-05T00:00:00.000Z
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 $174,548 (44%)
You can enter any amount below - secondary financing will cover the difference if needed.
44%
$

You cover the entire equity of $174,548!

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

Loan Breakdown

Assumed Mortgage3.62% Sellers Rate
$219,952
Your Cash$174,548
Total Purchase Price:$394,500

Assumed vs Traditional Mortgage

Assumed @ 3.62%
$1,120/mo
Traditional @ 7.5%
$1,722/mo
You save $602/month ($7,219/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 6790775

Listing From: Arizona Regional Multiple Listing Service (ARMLS)

Last updated: 2025-03-31T18:35:10.000Z

© , 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

3.62%
7.15%

Principal & Interest

$1,120 /mo
$1,660 /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 $174,548 (44%)
You can enter any amount below - secondary financing will cover the difference if needed.
44%
$

You cover the entire equity of $174,548!

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

Loan Breakdown

Assumed Mortgage3.62% Sellers Rate
$219,952
Your Cash$174,548
Total Purchase Price:$394,500

Assumed vs Traditional Mortgage

Assumed @ 3.62%
$1,120/mo
Traditional @ 7.5%
$1,722/mo
You save $602/month ($7,219/year)

*Secondary financing rates are an estimated value based on input

equal-housing

UMe Realty Group © is committed to and abides by the Fair Housing Act of Equal Opportunity.