This home offers an Assumable Mortgage with 2.5% interest and 26 years remaining (VA entitlement qualification NOT required). Bordering the Oak Creek Country Club golf course, this single-level 4 bedroom / 3 bath home blends modern updates with authentic Sedona character on a quiet cul-de-sac within the Village of Oak Creek. This light and bright home has been renovated with a thoughtful new floorplan designed for maximum storage and an effortless flow. Approx. 3,576 sq ft with an open-concept kitchen, dining, and living room create an inviting atmosphere, complemented by 4 bedrooms, 3 bathrooms, and a dedicated family room perfect for entertaining. You'll love the huge prepper's pantry, multiple walk-in closets, mudroom/laundry, and a versatile tool room/workshop. Recent improvements include a new flat roof and skylights, new windows and exterior doors, custom gas fireplace insert, and luxury vinyl plank flooring throughout. Warm wood finishesceiling beams, barn doors, window sills, and trimadd warmth and texture. Mechanical updates: converted to natural gas, new septic and leach field. Two-car covered carport. Outdoor living is truly a dream here! You'll relax and unwind in the numerous spaces designed to soak in Sedona's Red Rock views and epic sunsets while enjoying our desirable year-round mild weather. The property boasts lush landscaping in both the front and back yards, established gardens and fruit trees, and separately fenced areas for pets! Outdoor living is maximized with a covered patio and a carport that doubles as a large shaded outdoor space with porch swing. Landscaped 0.29-acre lot includes direct access to the golf course, a fenced yard, enclosed pet area, massive garden, fruit trees, storage shed/tool room/workshop, and more. Partial unfinished basement for additional storage. Location advantages: - 1.5 mi to Sedona Vista Village (Butterfly Burger, Pisa Lisa, Sedona Juice Co, Retail) - 1.4 mi to Clark's Market & Deli - 3 mi to Bell Rock & Courthouse Butte Trail Systems - 3.9 mi to Red Rock Crossing on Oak Creek Includes video, 3D virtual tour and floor plans in listing media. Factual search cues: single-level home | open layout | vaulted ceilings | skylights | golf course lot | fenced yard | covered patio |outdoor space | sunset views | gas fireplace | luxury vinyl plank flooring | two living areas | workshop space | four beds with three baths | mudroom | walk-in pantry | assumable VA mortgage 2.5% | seller credit $10,000 | near trails | near shopping and restaurants | Oak Creek Country Club community | Village of Oak Creek location. This is an exceptional opportunity to embrace a tranquil Sedona lifestyle without compromising on proximity!
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 $334,685. 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.