Laura Jewett

Laura Jewett

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$675,000

($77,793 down)
FHA

5041 Bear Creek Road, Garden Valley, CA 95633

3
4
2,844 sqft
PITI Monthly
$4,326.25 /mo

Listing courtesy of: Sara Raudelunas, Nick Sadek Sotheby's International Realty

Assumed Rate

6.54%
7.15%

Principal & Interest

$3,879 /mo
$4,128 /mo

What's Special

REMODELED
SHOPPING
DINING
SPACIOUS
LUXURY
FIREPLACE
DECK

Live the El Dorado County lifestyle on Bear Creek Rd, where privacy meets luxury on 10 quiet acres surrounded by nature, wineries, and adventure. Ideally located between Sacramento and Lake Tahoe, this beautifully crafted retreat offers the best of both worlds: peaceful seclusion with convenient shopping, dining, and recreation access. This 3-bedroom, 3.5-bath home features two spacious primary suites. The upstairs retreat includes a gorgeous remodeled bathroom and a sliding door leading to a private roof deck, perfect for morning coffee or stargazing. The second primary suite on the main level adds flexibility, while the lower level offers a third bedroom and full bath. Quality finishes abound, including Anderson maple doors and windows, two fireplaces, and a 15-ft floor-to-ceiling granite rock fireplace that circulates heat throughout the home. The chef's kitchen is outfitted with a Wolf 4-burner range and griddle, dual ovens, Sub-Zero appliances, walnut slab counters, Shaw farm and petrified wood sinks, and Waterstone faucets. Enjoy the expansive wraparound deck on the main level, a 30x30 two-story barn, RV hookups, chicken coop, and an ADU-ready foundation with power, water, & septic. Just a short stroll to a peaceful stream, this is elevated country living at its finest.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.54
Remaining Loan Term
28 years, 0 months
Monthly PITI
$4,326.25/mo
Estimated Loan Balance
$600,884
Cash to close
$77,793
Interest Paid
$79,089

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 4
Cooling & Heating
  • Cooling: Ceiling Fan(s), Wall Unit(s)
  • Heating: Fireplace(s)
Features
  • Materials: Frame, Wood
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Insert, Living Room, Family Room, Wood Burning
  • Flooring: Carpet, Tile, Wood

Exterior

Fencing
  • Fencing: Partial
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces: 0
Water
  • Sewer: Septic Connected, Septic System
  • Water Source: Well
Pool
  • Has Pool: No
  • Pool Features:

Construction

Type & Style
  • Stories: 0
  • Home type: Single Family Residence
  • Architectural Style: Cabin
Materials
  • Frame, Wood
  • Roof: Composition
Condition
  • Year Built: 1980
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features:
HOA
  • Has HOA: No
Location
  • Region: Garden Valley

Financial Details

  • Price per Sqft: $237.34
  • Tax Annual Amount: $
  • On Market Date: 2025-05-01T07:10:06.000Z
Inquire about this property

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Apply to Assume

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Savings Calculator

Current cash to close is $77,793 (12%)
You can enter any amount below - secondary financing will cover the difference if needed.
12%
$

You cover the entire equity of $77,793!

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

Loan Breakdown

Assumed Mortgage6.54% Sellers Rate
$597,207
Your Cash$77,793
Total Purchase Price:$675,000

Assumed vs Traditional Mortgage

Assumed @ 6.54%
$3,879/mo
Traditional @ 7.15%
$4,282/mo
You save $403/month ($4,832/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 225031292

Listing From: MLS Metrolist

Last updated: 2025-05-01T15:20:00.000Z

© , 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

6.54%
7.15%

Principal & Interest

$3,879 /mo
$4,128 /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 $77,793 (12%)
You can enter any amount below - secondary financing will cover the difference if needed.
12%
$

You cover the entire equity of $77,793!

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

Loan Breakdown

Assumed Mortgage6.54% Sellers Rate
$597,207
Your Cash$77,793
Total Purchase Price:$675,000

Assumed vs Traditional Mortgage

Assumed @ 6.54%
$3,879/mo
Traditional @ 7.15%
$4,282/mo
You save $403/month ($4,832/year)

*Secondary financing rates are an estimated value based on input

Follow Us
UMe Assumptions
Agent/Broker
Laura Jewett(480) 628-2563laura@azinspiredliving.comMLS SA525254000

© 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 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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