25770 E Grade Rd Santa Ysabel, CA 92070
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About this home
BACK ON MARKET, NO FAULT OF SELLER OR PROPERTY A rare opportunity to own more than 11 pristine acres in the San Diego mountains, this secluded artist’s retreat on the eastern slope of Palomar Mountain captures the essence of refined country living. Enveloped by the Cleveland National Forest and overlooking the serene San Jose Valley watershed, the 2,150 sq. ft. off-grid residence offers unobstructed views of Lake Henshaw Basin and Hot Springs Mountain, the highest peak in San Diego County. A wraparound patio frames the surrounding meadows and changing light. Inside, newly refinished red oak floors and Post & Beam architecture define an open layout anchored by a majestic fireplace. The kitchen, updated with warm wood cabinetry and thoughtfully chosen fixtures, creates a natural gathering space for cooking and conversation. The primary suite includes a walk-in closet, a quiet reading alcove and mountain views. A second suite on the lower level features its own entrance, den, and access to the one-car garage, offering privacy for guests or multi-generational living. With a private well, temperature-controlled solar power house, and minimal battery maintenance, the home delivers complete off-grid independence. A potential third bedroom could be created through a loft conversion. Surrounded by Coast Live Oak groves and open sky, the property offers direct trail access to Love Valley with miles of paths for horseback riding and hiking. The setting is rich in wildlife, privacy, and stillness, yet only a short drive from Santa Ysabel, Julian, and the historic Palomar Mountain general store. From the front door, a scenic trail winds through the Cleveland National Forest to a sweeping overlook of Lake Henshaw and stands of ancient Engelmann Oaks. Located just 25 minutes from Pauma Valley and Valley Center, and 50 minutes from Escondido, the property offers an ideal balance of seclusion and accessibility—well-suited for those seeking a full-time mountain residence, a low-maintenance weekend retreat, or an income-producing investment with remarkably low utility overhead. Shown by appointment only. Property is occupied.
Source: CRMLS #NDP2509471
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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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