12040 Sutter Ave Yucaipa, CA 92399
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About this home
Rare North Bench opportunity offering panoramic mountain views, modern upgrades, and a highly walkable lifestyle near parks, Uptown dining, and Yucaipa’s best amenities. Step inside to an inviting open-concept floor plan featuring a welcoming brick fireplace and a kitchen with dining area that opens through sliding doors to the back patio. The low-maintenance backyard includes a gazebo, perfect for relaxing evenings with sunset and city-light views. Recent upgrades include double-paned vinyl windows, woodgrain vinyl flooring, and new carpet in bedrooms. The guest bathroom offers a newer vanity with granite countertop and tile bathtub, while the spacious primary suite features wide windows with sunset views and a remodeled bath with quartz countertop. Two additional bedrooms include large closets for ample storage. Additional highlights include a whole-house water softener and reverse osmosis system, alarm system, assumable solar, and a two-car garage with built-in cabinets and workbench. The side yard offers flexible use—ideal for RV/boat space as-is, or add a gate to the existing post for expanded backyard access. The charming front patio provides the perfect spot to enjoy the mountain backdrop. Ideally located directly across from scenic Flag Hill Park and just a short walk to historic Uptown Yucaipa, this home provides easy access to boutique shopping, coffee houses, restaurants, craft breweries, and year-round community events. The location also offers close proximity to Yucaipa Regional Park, Oak Glen’s apple orchards, and seasonal festivals, combining small-town charm with outdoor adventure. Quick access to I-10 makes commuting and weekend getaways effortless. Set in a pride-of-ownership neighborhood with access to top-rated Yucaipa-Calimesa schools and nearby charter options such as Inland Leaders and Competitive Edge. Move-in ready and beautifully maintained, this home offers modern comfort, desirable upgrades, and an unbeatable location in one of Yucaipa’s most sought-after communities.
Source: CRMLS #CV25024639
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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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