Properties / 4498 N Smoketree Road
FHA ASSUMABLERate: 3.02%

4498 N Smoketree Road

$269,900
Golden Valley, AZ 86413
4 beds2 baths2,432 sqftSingle Family
The assumable advantage
3.02%
FHA assumed rate
$32,458 interest already paid off
Estimated Loan Balance$167,216
Cash to close$103,462
Est. Monthly PITI$1,177
Initial Loan Amount$191,468
Time on site36 days
Remaining Term24 years, 1 month
Seller's equity (what you pay)
$102,684
Cash or secondary financing
Monthly savings
$777
Versus today's market rate
Est. savings per year
$9K
Versus today's market rate

About this home

Built in 2003 and set on a full acre in Golden Valley's So-Hi Estates, this 2,432-square-foot home offers four bedrooms, two full baths, and mountain views right from the kitchen sink. A freshly painted exterior gives the home great curb appeal from the moment you pull up. Inside, the open kitchen features a skylight, a peninsula with bar seating, and a wall of windows overlooking the surrounding desert landscape plenty of room to gather in the connected dining and family room spaces. Wood laminate flooring runs through the main living areas, and the split floor plan gives the primary suite its own wing with a walk-in closet and en-suite bath, while three additional bedrooms and a second full bath sit on the opposite side of the home. Outside, a detached two-car garage (576 square feet) offers extra storage or workshop space beyond the attached living area, and a wood deck patio extends the living space into the yard. With over an acre to work with, there's plenty of room for RVs, toys, or future expansion. Located minutes from Highway 68 with easy access to Bullhead City, Kingman, and Laughlin, this property offers the space and privacy of rural Mohave County living without sacrificing convenience.

How assumption works for this home

Can I assume this FHA loan?

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.

How much cash do I actually need?

You need to cover the seller's equity of $102,684. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.

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 feet2,432
Property typeSingle Family
MLS #040574
CountyMaricopa County
Assumable loanFHA
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Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
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)
$815/mo
Source est. payment (PITI)
$1,177/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$102,684

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

$0$102,684
Additional funds needed$0

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