Jeanne(Kerry) Davidson

Jeanne(Kerry) Davidson

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$815,000

($516,457 down)
VA

2025 Ranch Creek Road, Cool, CA 95614

4
3
3,077 sqft
PITI Monthly
$1,854.41 /mo

Listing courtesy of: Scott Kirk, Weichert, Realtors-Sierra Pacific Group

Assumed Rate

3.46%
7.15%

Principal & Interest

$1,638 /mo
$2,476 /mo

What's Special

SPACIOUS
MODERN
GRANITE COUNTERTOPS
BREAKFAST NOOK
WALK-IN CLOSET
GAME ROOM
PATIO

Set on 4.5 sprawling, usable acres in the scenic foothills of Cool, this 4-bedroom, 3-bath home offers the ideal balance of space, comfort, and craftsmanship. With over 3,000 sq ft of living space, the home opens to a grand entryway featuring a sweeping staircase with ironwork details and a two-story ceiling that adds volume and light. The kitchen is well-appointed with granite countertops, a walk-in pantry, and custom cabinetry connected to a breakfast nook and open great room. A separate game room includes a tray ceiling and built-in bar, perfect for entertaining or relaxing at home. The living room is centered around a striking wood-burning stove set in a stacked-stone hearth, offering both warmth and visual appeal. The upstairs primary suite is a true retreat with a jetted tub, oversized walk-in shower with multiple shower heads, dual vanities, and a spacious walk-in closet. Outside, enjoy a large stamped concrete patio, seasonal pond, RV access, 3-car garage, and fenced acreage. There's room for animals, gardening, or future expansion. With public water, one minors inch of irrigation water, septic, both residential and commercial electric panels, and a private road, this one-of-a-kind property delivers peaceful, elevated living with modern convenience.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.46
Remaining Loan Term
21 years, 7 months
Monthly PITI
$1,854.41/mo
Estimated Loan Balance
$396,394
Cash to close
$516,457
Interest Paid
$97,418

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Ceiling Fan(s), Central, Whole House Fan, MultiZone
  • Heating: Propane, Central, Fireplace(s), MultiZone
Features
  • Materials: Stone, Stucco, Lap Siding, Wood
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Living Room, Pellet Stove
  • Flooring: Carpet, Tile, Marble

Exterior

Fencing
  • Fencing:
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces: 0
Water
  • Sewer: Septic Connected
  • Water Source: Meter on Site, Public
Pool
  • Has Pool: No
  • Pool Features:

Construction

Type & Style
  • Stories: 0
  • Home type: Single Family Residence
  • Architectural Style: Contemporary
Materials
  • Stone, Stucco, Lap Siding, Wood
  • Roof: Composition
Condition
  • Year Built: 2004
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features:
HOA
  • Has HOA: No
Location
  • Region: Cool

Financial Details

  • Price per Sqft: $264.87
  • Tax Annual Amount: $
  • On Market Date: 2025-04-23T21:06:54.000Z
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 $516,457 (63%)
You can enter any amount below - secondary financing will cover the difference if needed.
63%
$

You cover the entire equity of $516,457!

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

Loan Breakdown

Assumed Mortgage3.46% Sellers Rate
$298,543
Your Cash:$516,457
Total Purchase Price:$815,000

Assumed vs Traditional Mortgage

Assumed @ 3.46%
$1,638/mo
Traditional @ 7.15%
$2,568/mo
You save $930/month ($11,162/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 225048226

Listing From: MLS Metrolist

Last updated: 2025-04-23T17:00:09.000Z

© , 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

3.46%
7.15%

Principal & Interest

$1,638 /mo
$2,476 /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 $516,457 (63%)
You can enter any amount below - secondary financing will cover the difference if needed.
63%
$

You cover the entire equity of $516,457!

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

Loan Breakdown

Assumed Mortgage3.46% Sellers Rate
$298,543
Your Cash:$516,457
Total Purchase Price:$815,000

Assumed vs Traditional Mortgage

Assumed @ 3.46%
$1,638/mo
Traditional @ 7.15%
$2,568/mo
You save $930/month ($11,162/year)

*Secondary financing rates are an estimated value based on input

Follow Us
HomeSmart
Agent/Broker
Jeanne(Kerry) DavidsonHomeSmart(602) 826-3697kerry@myagent.netMLS BR631128000

© 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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