10341 Pinon Ave Morongo Valley, CA 92256
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About this home
Welcome to your dream home nestled in the scenic hills of Morongo Valley. This stunning 4-bedroom, 3-bathroom home spans 1,832 square feet and sits on 2.32 acres of fully usable land, designed for both luxury living and equestrian lifestyle. As you arrive, a stately saguaro cactus greets you at the custom metal gate entrance, setting the tone for the property's desert elegance. Built in 1990, the home features timeless Spanish-style architecture, including a classic clay tile roof and hand-laid custom Spanish tile throughout—from the floors to the bathroom backsplashes. Unique artisan sinks and warm design elements add charm and character to every corner. Step inside to find a spacious, light-filled living room with a fully functional fireplace, perfect for cozy desert nights. The open-concept kitchen offers plenty of counter space and flows seamlessly into multiple dining areas, ideal for entertaining. Central AC, Heat and ceiling fans throughout the home ensure year-round comfort. Outdoors, enjoy resort-style living with a sparkling pool and hot tub, a private back patio with mature landscaping, and a brick privacy wall—your very own sanctuary under the desert sky. Equestrian enthusiasts will be thrilled by the three well-maintained horse corrals, a dedicated hay barn, and a private Tack Room complete with electricity. Property has a Round Pin, Two Mare Motels w- a run and a small Arena. A rare three-car garage offers ample space for vehicles, tack, or toys. RV Hookup with water, a 30 amp/ 50 amp and a 110 Volt panel box professionally done. Whether you're looking for a permanent residence, vacation getaway, or income-producing retreat, this property combines the serenity of Morongo Valley with the luxury of refined desert living. If you've been searching for a home with acreage, views, horse facilities, and a pool—this is the one.
Source: CRMLS #JT25193132
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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