14269 N 22nd St Phoenix, AZ 85022
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About this home
Welcome to an inviting North Phoenix retreat where beautiful updates, warm character, and peaceful desert scenery come together effortlessly. Located in a desirable neighborhood near Lookout Mountain Park & Shadow Mountain, this home offers the advantage of being close to some of the area's best outdoor recreation. Step inside and you'll immediately feel the charm and spaciousness this home offers. Tongue-and-groove vaulted ceilings create a striking architectural backdrop, while the fireplace adds a cozy focal point. The custom wet bar brings an element of fun and makes the living space ideal for gatherings or relaxed evenings at home. The remodeled kitchen blends contemporary style with everyday function. Bright white cabinetry, modern hardware, quartz countertops nearly new stainless steel appliances, a cooktop range, built-in microwave & dishwasher give the space a fresh, modern feel. Refrigerator, washer, and dryer all stay, making move-in simple. Downstairs bedroom has access to the updated bathroom making it perfect for guests! Upstairs, both bathrooms have been tastefully updated. The primary suite stands out for its generous size, peaceful feel, AND has three spacious closets. A separate sitting area adds flexibility for reading, relaxing, or use as a personal retreat. The primary bath features a separate soaking tub and shower. The backyard is where this home truly shines. Designed for privacy and enjoyment, the outdoor space includes a sparkling pool, relaxing spa, and incredible mountain views that change beautifully throughout the day. It's a wonderful place to unwind, entertain, or simply enjoy the peaceful desert surroundings. Key improvements include newer upstairs flooring, a heat pump/AC installed in 2008, roof approximately 7 years old, and a transferable OneGuard home warranty for added confidence. Nearby Lookout Mountain Park enhances the home's appeal even further. Known for its scenic trails, panoramic valley views, open space, and desert beauty, offering plenty of opportunities for outdoor activities, whether you enjoy hiking, photography, or simply being surrounded by nature. Residents enjoy easy access to scenic trails, open desert landscapes, tennis courts, parks, and convenient nearby shopping and services. Additional recreation such as tennis courts and a nearby golf course area make the location even more convenient. With its inviting style, thoughtful upgrades, private outdoor retreat, and access to some of North Phoenix's most desirable natural spaces, this home delivers comfort, character, and exceptional value. Furnishings may be available on a separate bill of sale.
Source: ARMLS #6949034
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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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