32144 Yosemite St Winchester, CA 92596
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About this home
Location, Privacy & Breathtaking Views—Seller will pay off $47,000+ in solar currently attached to the property as a tax assessment at closing. Low taxes, NO HOA, paid off solar. This Home Has It All! Welcome to your dream retreat, where stunning panoramic 360° views meet unmatched convenience! Nestled on a sprawling 2.97-acre lot (two parcels 2.77 and .2 sold together), this exquisite 4-bedroom, 3-bathroom home offers 2,771 sqft of beautifully designed living space, ideal for those seeking both serenity and proximity. Perched on a private gated driveway, enjoy peaceful mornings on the front porch patio taking in views. At night, relax under the stars while watching fireworks on the Fourth of July—all from your own backyard. You'll love the ease of living just minutes from shopping, renowned wineries, and even walking distance to the elementary school. Step inside to a thoughtfully crafted interior featuring cathedral ceilings, a formal living room and dining room, and a cozy family room with a fireplace. The remodeled kitchen shines with recessed lighting, upgraded fixtures, a farmhouse sink, and plenty of space for entertaining. A screen front door invites in the breeze, while sunlight pours in through large windows, highlighting the home’s elegant finishes. The primary suite, located on the first floor, is a showstopper with breathtaking views, a charming bay window seating area, and a luxurious en suite bathroom featuring walk-in shower. Two Jack and Jill bedrooms upstairs offer convenience and style, while a downstairs guest bedroom and full bath provide flexibility for guests or multigenerational living. The spacious laundry room includes a sink and abundant storage, designed for everyday practicality. This home is packed with functional extras: solar panels for energy efficiency, an electric vehicle charger hookup, and both well water access and city water hookup if desired—plus a water storage tank for added peace of mind. Outdoor lovers will appreciate the fenced backyard, gorgeous landscaping, and a variety of fruit trees, including lemon, lime, mandarin orange, and pomegranate. For hobbyists or anyone needing extra space, there's a shed, plus RV parking, ample room for vehicles and all your toys, and a 3-car garage to top it off. With no HOA, room to roam, and a perfect blend of privacy and accessibility, this property is a rare gem that truly offers the best of both worlds—close to everything, yet a world away.
Source: CRMLS #SW25125681
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.