Properties / 3592 W COBALT Court
FHA ASSUMABLERate: 6.86%

3592 W COBALT Court

$475,000
San Tan Valley, AZ 85144
3 beds3 baths2,231 sqftSingle Family
The assumable advantage
6.86%
FHA assumed rate
$39,201 interest already paid off
Estimated Loan Balance$525,162
Cash to close$0
Est. Monthly PITI$4,067
Initial Loan Amount$530,219
Time on site15 days
Remaining Term28 years, 11 months
Seller's equity (what you pay)
$0
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

SKIP the BUILDER -MOVE IN NOW! One of the BEST PRICED homes in San Tan Valley! A stunning Toll Brothers MODERN FARMHOUSE in The Preserve at San Tan. This home FEATURES over $80,000 in thoughtful, DESIGNER-selected UPGRADES that elevate far beyond builder-grade finishes. From the moment you enter, you'll notice the attention to detail--from upgraded lighting fixtures and feature walls to enhanced doors, hardware, and blinds installed throughout, offering both style and privacy from day one. The heart of the home is the stunning, fully upgraded kitchen, designed for both everyday living and entertaining. Enjoy two-tone cabinetry, an expansive island with storage on both sides, upgraded tile backsplash, Kitchen Aid appliances, a convenient kettle faucet, and a custom coffee bar.. Upstairs, the upgrades continue with enhanced stair railings extending all the way to the top, not just the main level. Retreat to the designer primary suite, featuring a beautifully upgraded bathroom with dual shower heads, arched mirrors, and a frameless, curbless walk-in shower. Both the primary and secondary walk-in closets include custom-built organizers for maximum storage and functionality. Additional highlights include an upgraded laundry room with cabinetry (washer and dryer included) and ceiling-mounted garage storage and shelving, ensuring every space in the home is both stylish and practical. Beyond the upgrades, this thoughtfully designed home offers 3 bedrooms + den with a massive walk-in closet, 2.5 bathrooms, and a spacious open-concept living area ideal for modern living. This is not your typical builder-grade home--it's a move-in-ready, highly upgraded property designed for comfort, function, and style. Seamlessly blend indoor and outdoor living with the impressive 15-foot pocket slider door, opening to a large fully landscaped backyard complete with automated sprinkler systems and drip lines--ready for relaxing evenings and effortless entertaining. Permanent Govee outdoor lighting allows you to customize seasonal lighting with ease through an app. Tucked into a cul-de-sac, this home has it all....Why wait for 6-9 months with the builder and overpay? MOVE IN NOW!

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 $0. 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

Bedrooms3
Bathrooms3
Square feet2,231
Property typeSingle Family
MLS #7072214
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
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)
$3,484/mo
Source est. payment (PITI)
$4,067/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.