Michael Graham

Michael Graham

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$685,000

($52,850 down)
FHA

3115 N F Street, San Bernardino, CA 92405

4
4
1,654 sqft
PITI Monthly
$5,363.25 /mo

Listing courtesy of: Steven Wong, WPG Realty & Lending Group

Assumed Rate

6.87%
7.15%

Principal & Interest

$4,191 /mo
$4,311 /mo

What's Special

INVESTORS
LOCATION
SHOPPING
DINING
SPACIOUS
MOVE-IN READY
MODERN
RENOVATED
INCOME POTENTIAL
RENTAL INCOME
TURNKEY

Completely Renovated Turnkey Property in Shandin Hills- San Bernardino, CA! This is a beautiful, fully renovated in 2024 property located in a highly desirable neighborhood. This move-in ready home is perfect for homeowners and investors alike, offering multiple living spaces and excellent rental income potential. The property boasts two separate mailing addresses: Unit A features 2 spacious bedrooms plus a den, 1 bathroom, and a beautiful updated interior. Unit B ( brand new permitted ADU-Garage Converted) offers 1 bedroom, 1 bathroom, a full kitchen, living room, and its own AC system--ideal for rental or extended family. Additionally, there are 2 extra attached units, each with 1 bedroom and 1 bathroom, and plenty of space to build out a kitchen and a living room. This house was fully renovated by previous owner/investor--everything is brand new, modern kitchens with new appliances, stylish bathrooms with sensor mirrors, new toilets, new bathtubs and shower-stalls, tankless water heater, air conditioning and ceiling fans in every room, automatic sprinklers, blockwall fencing for privacy. The property sits on a generous lot with a long driveway that accommodates multiple vehicles and includes both a nice front yard and a large backyard--perfect for gatherings or outdoor enjoyment. All units have its own entrances. Also, prime location with convenient access to Freeways 215, 210, and 10, close to shopping plazas, E Street Shops, and London Square for a variety of retail and dining, near schools and just about 3.8 miles from Cal State San Bernardino (CSUSB). This is a rare opportunity to live in one unit and rent out the others to help offset your mortgage. Whether you're a first-time homebuyer, multigeneration family, or savvy investor, this versatile and beautifully upgraded property is a must-see. All information provided is deemed reliable but not guaranteed and should be independently verified. Broker, agent, and buyer(s) are advised to conduct their own investigations and/or consult with all appropriate professionals regarding square footage, permits, and all aspects of the property prior to any purchase decision.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.87
Remaining Loan Term
29 years, 1 months
Monthly PITI
$5,363.25/mo
Estimated Loan Balance
$633,283
Cash to close
$52,850
Interest Paid
$40,020

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: None
  • Flooring: Laminate

Exterior

Fencing
  • Fencing: Block
Roof
  • Roof: Shingle
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Shingle
Condition
  • Year Built: 1956
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Curbs, Sidewalks
HOA
  • Has HOA: No
Location
  • Region: San Bernardino

Financial Details

  • Price per Sqft: $414.15
  • Tax Annual Amount: $8562.5
  • On Market Date: 2025-05-01T00:00:00.000Z
Inquire about this property

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Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $52,850 (8%)
You can enter any amount below - secondary financing will cover the difference if needed.
8%
$

You cover the entire equity of $52,850!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage6.87% Sellers Rate
$632,150
Your Cash$52,850
Total Purchase Price:$685,000

Assumed vs Traditional Mortgage

Assumed @ 6.87%
$4,191/mo
Traditional @ 7.15%
$4,471/mo
You save $281/month ($3,369/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PW25097281

Listing From:

Last updated: 2025-05-03T14:00:12.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

6.87%
7.15%

Principal & Interest

$4,191 /mo
$4,311 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $52,850 (8%)
You can enter any amount below - secondary financing will cover the difference if needed.
8%
$

You cover the entire equity of $52,850!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage6.87% Sellers Rate
$632,150
Your Cash$52,850
Total Purchase Price:$685,000

Assumed vs Traditional Mortgage

Assumed @ 6.87%
$4,191/mo
Traditional @ 7.15%
$4,471/mo
You save $281/month ($3,369/year)

*Secondary financing rates are an estimated value based on input

Follow Us
exp realty
Agent/Broker
Michael Grahamexp realty(480) 628-9392michael@grahamgroupaz.comMLS

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than exp realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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