Basement + Man Cave = MUST SEE! Welcome to 2037 E Joy Lane in the desirable Tierra Del Rio community! This beautifully remodeled and well-maintained 3BR, 3BA home offers 995 sqft on the main level PLUS a fully finished 995 sqft basement, giving you nearly 2,000 sqft of total space! The main level features 2 bedrooms, a full primary bath, convenient half bath, solid surface countertops, and a slight vaulted ceiling that adds an open feel. The remodeled basement offers the 3rd bedroom, 3/4 bath with laundry, and a spacious man cave/recreation area. Enjoy vinyl tile flooring throughout the main living areas, carpeted bedrooms, and gas appliances. Situated on a 10,071 sqft lot with no direct front neighbor, the property features a landscaped front yard and a freshly cleared backyard ready for your vision. Two separate driveways provide added convenience, including a 2-car garage and a second driveway with a newer side gate providing easy access to the spacious backyard. RV hookups and chain-link fencing add even more functionality. Tierra Del Rio offers an incredible $30/month HOA with 2 community pools, 3 basketball courts, outdoor seating areas with grills, and cluster mailboxes. Site-built homes only community! Conveniently located approximately 1 mile from Highway 95 and close to grocery stores, schools, the fire department, and a Boys & Girls Club. Not in a flood zone! With its oversized lot, finished basement, RV hookups, low HOA, and endless backyard potential, this home is a must-see!
Yes, as long as you meet the lender's credit (620+) and DTI requirements. FHA assumptions require you to use the home as your primary residence.
You need to cover the seller's equity of $73,268. If you don't have that in cash, we can help structure secondary financing to cover the gap.
No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.
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.