One of the best-priced horse properties in Ranchos Jardines, this is a rare opportunity to own an updated home with land already set up for horses, chickens, and goats. The property offers the space, flexibility, and lifestyle that make this neighborhood so unique. The home has been updated over the past few years, while the separate powered workshop provides plenty of options for projects, storage, hobbies, or additional workspace. An attached bonus storage area adds even more functionality. The chicken coop stays, and the property also features a 50 AMP RV hookup. Enjoy desirable north/south exposure, flood irrigation, and the freedom of a non-HOA, non-community-island setting in the horse and agricultural neighborhood of Ranchos Jardines. Riding lessons are available within the community, along with neighbors who share the same equestrian lifestyle, while still enjoying city services including fire and police. Major improvements include an AC system that is only 2 years old and still under warranty, along with a new roof installed in 2018. The property also includes a 3-year-old mature, fruit-bearing orchard with peach, nectarine, plum, and pear trees. Horse property with this combination of price, improvements, usable land, workshop space, irrigation, and neighborhood amenities does not come along often.
Yes, as long as you meet the lender's credit (620+) and DTI requirements. You do NOT need to be a veteran to assume a VA loan — this is a common misconception.
You need to cover the seller's equity of $428,537. If you don't have that in cash, we can help structure secondary financing to cover the gap.
Yes — VA assumptions can be used for investment properties. You can rent this home out.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.