ASSUMABLE LOAN AT 2.25% for qualified buyers. Terms and lender approval apply. Tucked into Foothills Reserve, this one-owner, 4-bedroom + den/office, 3.5-bath home has been loved, upgraded, and meticulously cared for since day one. Enjoy South Mountain views, premium finishes, and thoughtful improvements throughout that deliver true move-in-ready peace of mind. Recent big-ticket updates are complete: dual Trane HVAC systems (2023) and a new water softener and reverse osmosis system (2026). A mature shade tree and flagstone walkway lead to an inviting front entry. Inside, soaring ceilings and a mix of rich wood and tile flooring set the tone. The formal great room centers on a cozy fireplace, with a light-filled atrium creating a sophisticated transition between the living and dining spac Designed for both everyday living and entertaining, the chef's kitchen is a standout feature with quartz countertops, rich wood cabinetry, a large center island with a pot rack and integrated lighting, a no-touch sink, a reverse osmosis drinking water system, and above-cabinet accent lighting. Premium Monogram appliances include a paneled refrigerator, an induction cooktop with a custom hood, a convection microwave, a dishwasher, and more. The kitchen opens seamlessly into the spacious family room, where stacked-stone accents and custom-built-in shelving create a warm, upscale gathering space. An elegant powder bath with designer lighting is conveniently located nearby. The flexible floor plan offers a downstairs bedroom plus office space connected by a Jack-and-Jill bath, ideal for guests, multigenerational living, or work-from-home needs. Upstairs, the private primary suite is a true retreat with its own balcony overlooking the mountains, perfect for morning coffee or evening sunsets. The spa-style bath features dual vanities, a soaking tub with a chandelier, an oversized walk-in shower, a private water closet, a seated makeup vanity, and a large custom walk-in closet with built-ins. Just off the primary suite is an additional den/office that could easily be converted into another bedroom or nursery. Two more upstairs bedrooms offer generous storage and access to a full bath. Sliding glass doors open to an entertainer's backyard with South Mountain as the backdrop. The outdoor chef's kitchen includes a built-in BBQ, wine fridge, burners, and warming drawer, and a covered seating area with a fireplace and ceiling fans makes it comfortable for year-round Arizona living. Additional features include a 2-car garage, an indoor laundry room with built-in cabinetry, an electric vehicle charging station, and a Bose surround sound system. Minutes from South Mountain Preserve, with immediate access to miles of hiking and biking trails, top-rated golf, shopping, dining, and freeway access. Turnkey homes of this caliber in Foothills Reserve don't come up 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 $377,758. 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.