NO HOA, JUST OVER AN ACRE IN A COUNTY ISLAND & ENDLESS POTENTIAL! Set on a fenced 1+ acre lot, this Santa Fe-style home offers space, privacy & the opportunity to make it your own in a serene setting surrounded by mountain views, mature desert landscaping & eucalyptus trees. The spacious floor plan features a front living room anchored by a fireplace, with a charming barn door leading to the family room. The open family room connects seamlessly to the kitchen, showcasing slab granite countertops, a huge center island, pantry, under-cabinet lighting & a large bay window dining area. The split primary suite includes a walk-in closet & ensuite with a separate tub & walk-in shower. Secondary bedrooms are generously sized, including one with a walk-in closet. The oversized laundry room offers extensive cabinetry, a utility sink, built-in desk & mini fridge, while the garage is complete with a workbench, sink & attached cabinetry. An extended front porch provides the perfect place to enjoy the peaceful desert surroundings. The expansive backyard offers a covered patio with ceiling fans, an extended open-air paver patio, fenced courtyard, side yard walkway, additional storage & endless room to personalize, keep horses, park RVs or store trucks & toys. Experience the space & flexibility of acre-plus living with convenient access to Cave Creek's dining, shopping, golf, hiking & biking trails.
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 $338,925. 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.