Properties / 3211 W Horizon Drive
VA ASSUMABLERate: 3.47%

3211 W Horizon Drive

$899,999
Phoenix, AZ 85086
4 beds4 baths3,298 sqftSingle Family
The assumable advantage
3.47%
VA assumed rate
$68,648 interest already paid off
Estimated Loan Balance$288,604
Cash to close$613,967
Est. Monthly PITI$2,079
Initial Loan Amount$329,640
Time on site50 days
Remaining Term23 years, 8 months
Seller's equity (what you pay)
$611,395
Cash or secondary financing
Monthly savings
$3,817
Versus today's market rate
Est. savings per year
$46K
Versus today's market rate

About this home

PRICE IMPROVEMENT! EXCEPTIONAL BUYER OPPORTUNITY IN DESERT HILLS! Rarely does a property deliver this extraordinary combination of privacy, space, mountain views, RV accommodations, resort style entertaining, and true multigenerational living, especially in one of Desert Hills' most coveted unincorporated pockets. With a recent price improvement, this exceptional 1-acre estate presents an incredible opportunity to own a custom home in a prestigious multi-million dollar neighborhood. Tucked away at the end of a quiet cul -de-sac, this beautifully maintained 4 bedroom, 3.5 bath, 3,298 square foot custom residence offers the privacy and freedom buyers are seeking while remaining conveniently close to shopping, dining, and freeway access. With no HOA, no interior steps, and expansive parking, Designed with privacy and flexibility in mind, the split floor plan features three full ensuite bedroom suites, making this home ideal for multigenerational living, extended stay guests, or those simply wanting everyone to enjoy their own private retreat. For RV and outdoor enthusiasts, the accommodations are exceptional. A custom 40 foot by 30 foot RV carport, four additional covered carport spaces, and extended length RV access AND a 3-car garage provide the kind of storage and flexibility rarely found in residential properties. Inside, the home showcases 9 plus foot flat ceilings, an open concept great room, formal dining, separate family room with wood burning fireplace, custom built in library, and dedicated bar area, creating an inviting environment for both everyday living and memorable entertaining. The gourmet kitchen features granite countertops, center island, induction cooktop, electric range, built in microwave, dishwasher, refrigerator, walk in pantry, and reverse osmosis system, complemented by a whole home water softener and purifier. Step outside and the property truly comes alive. A full length covered patio, outdoor fireplace, built in BBQ, and spectacular panoramic rooftop deck create an extraordinary setting for entertaining, relaxing, and taking in Arizona's breathtaking sunsets. Enjoy sweeping mountain views, vibrant sunrise to sunset skies, sparkling city lights, and unforgettable star filled nights from your own private rooftop retreat. Whether you are relocating to Arizona, seeking a private Desert Hills retreat, looking for the perfect multigenerational home, or simply ready to elevate your lifestyle, this property checks the boxes and then some. A home this distinctive, on a full acre, in a neighborhood where surrounding properties command multi million dollar values, is a truly compelling buyer opportunity. With the price now improved, this is your chance to secure an exceptional Desert Hills estate and make it your own. Private showings are highly encouraged. This is one you will not want to miss!

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 $611,395. 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
Bathrooms4
Square feet3,298
Property typeSingle Family
MLS #7014064
CountyMaricopa County
Assumable loanVA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$1,491/mo
Source est. payment (PITI)
$2,079/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$611,395

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

$0$611,395
Additional funds needed$0

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