Michael Rizzo

Michael Rizzo

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$825,555

($222,765 down)
FHA

1322 Gracia Street, Camarillo, CA 93010

4
2
1,754 sqft
PITI Monthly
$4,984.02 /mo

Listing courtesy of: Michael Silva, Pinnacle Estate Properties, Inc.

Assumed Rate

5.23%
7.15%

Principal & Interest

$3,462 /mo
$4,244 /mo

What's Special

LOCATION
MINUTES AWAY
SHOPPING
ENTERTAINMENT
DINING
SPACIOUS
HOME OFFICE
CHARMING
COZY

Welcome to this charming ready-to-move-in open floor plan with a perfect blend of cozy and spacious home. This lovely, well-maintained 4-bedroom, 2-bathroom property offers a generous 1,700+ sqft of living space on a spacious 6,900+ sqft lot with 2-car garage - plenty of space for family, guests, or a home office, perfect for families looking for comfort, space, and convenience. Property offers a large outdoor space for entertaining, gardening, or relaxation. Located in a highly desirable neighborhood, this home is close to everything you need: shopping, dining, parks, and schools--all just minutes away! Whether you're relaxing indoors or enjoying the great outdoors, this home offers the best of both worlds. We are just 15 minutes to gorgeous coastline and beaches, the legendary Camarillo Outlets, and less than a moment's drive to the Metro Link/Amtrack station. Gracia St is just a stroll to Old Town which offers great restaurants, coffee bars, boutique shops, hair salons, and entertainment. Not to mention the farmers market every weekend. Don't miss out on this opportunity to own a fantastic home in a great location!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
5.23
Remaining Loan Term
27 years, 4 months
Monthly PITI
$4,984.02/mo
Estimated Loan Balance
$609,342
Cash to close
$222,765
Interest Paid
$86,008

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 2
Cooling & Heating
  • Cooling: None
  • Heating: Central
Features
  • Materials: Brick, Block
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Laminate, SeeRemarks

Exterior

Fencing
  • Fencing: Block, FairCondition, Masonry
Roof
  • Roof: Composition, Shingle
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Brick, Block
  • Roof: Composition, Shingle
Condition
  • Year Built: 1970
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: StreetLights, Sidewalks, Park
HOA
  • Has HOA: No
Location
  • Region: Camarillo

Financial Details

  • Price per Sqft: $470.67
  • Tax Annual Amount: $10319.4
  • On Market Date: 2025-04-08T00:00:00.000Z
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.

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Savings Calculator

Current cash to close is $222,765 (27%)
You can enter any amount below - secondary financing will cover the difference if needed.
27%
$

You cover the entire equity of $222,765!

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

Loan Breakdown

Assumed Mortgage5.23% Sellers Rate
$602,790
Your Cash$222,765
Total Purchase Price:$825,555

Assumed vs Traditional Mortgage

Assumed @ 5.23%
$3,462/mo
Traditional @ 7.15%
$4,403/mo
You save $940/month ($11,283/year)

*Secondary financing rates are an estimated value based on input

MLS ID: V1-29202

Listing From:

Last updated: 2025-04-13T00:09:53.000Z

© , 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

5.23%
7.15%

Principal & Interest

$3,462 /mo
$4,244 /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 $222,765 (27%)
You can enter any amount below - secondary financing will cover the difference if needed.
27%
$

You cover the entire equity of $222,765!

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

Loan Breakdown

Assumed Mortgage5.23% Sellers Rate
$602,790
Your Cash$222,765
Total Purchase Price:$825,555

Assumed vs Traditional Mortgage

Assumed @ 5.23%
$3,462/mo
Traditional @ 7.15%
$4,403/mo
You save $940/month ($11,283/year)

*Secondary financing rates are an estimated value based on input

Follow Us
HomeSmart
Agent/Broker
Michael RizzoHomeSmart(602) 790-2804MikeRizzo@HSMove.comMLS SA539236000

© 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 HomeSmart 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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