Properties / 4818 E Lazy River Road
VA ASSUMABLERate: 3.07%

4818 E Lazy River Road

$349,000
Kingman, AZ 86401
4 beds2 baths1,717 sqftSingle Family
The assumable advantage
3.07%
VA assumed rate
$13,718 interest already paid off
Estimated Loan Balance$89,485
Cash to close$259,900
Est. Monthly PITI$735
Initial Loan Amount$99,000
Time on site36 days
Remaining Term25 years, 4 months
Seller's equity (what you pay)
$259,515
Cash or secondary financing
Monthly savings
$1,634
Versus today's market rate
Est. savings per year
$20K
Versus today's market rate

About this home

Beautifully built in 2021, this move-in ready 4-bedroom, 2-bath home offers 1,717 sq ft of comfortable living space designed for everyday functionality and easy entertaining. The open-concept layout creates a seamless flow between the living, dining, and kitchen areas, making it ideal for family gatherings or relaxing at home. The kitchen offers practical workspace and storage, while the spacious bedrooms provide comfortable retreats throughout the home. Outside, you ll find plenty of room for all the toys with a 3-car garage plus RV parking complete with full RV hookups including 120V power, water, and sewer. The owned solar system adds energy efficiency and long-term savings. Enjoy Arizona evenings from the screened-in porch featuring a hot tub, while the landscaped backyard includes a storage shed and mature fruit trees for added charm and convenience. Conveniently located in Kingman with easy access to local amenities, this well-maintained home is ready for your personal touches. Come take a look and imagine making it your own!

How assumption works for this home

Can I assume this VA loan?

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.

How much cash do I actually need?

You need to cover the seller's equity of $259,515. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

Yes — VA assumptions can be used for investment properties. You can rent this home out.

How long does this take?

Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.

Property details

Bedrooms4
Bathrooms2
Square feet1,717
Property typeSingle Family
MLS #040126
CountyMaricopa County
Assumable loanVA
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Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
Jeff Salazar
Active now · (602) 332-3860
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Payment & cash calculator

Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.

Est. mortgage payment (P&I)
$424/mo
Source est. payment (PITI)
$735/mo

P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.

Estimated equity gap$259,515

Asking price minus remaining loan balance. Closing costs are additional.

$0$259,515
Additional funds needed$0

The equity gap is covered. Closing costs and assumption fees still need to be confirmed.