36937 N Oakley Dr San Tan Valley, AZ 85140
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About this home
Experience luxury desert living at its finest on this 1.25-acre lot of irrigated horse property, in the heart of San Tan Valley with NO HOA. Designed for those who expect more, this extraordinary custom home showcases 6 generously sized bedrooms, all with large walk-in closets. Additionally, this phenomenal property has 3.5 bathrooms, a spacious basement, multiple large hallway closets, 8 ft doors and over 4,800 sq. ft. of beautifully crafted living space. The basement is 1,723 sq. ft. featuring 3 bedrooms, 1 full bathroom, a large recreation/game room, a cute under-the-stairs playroom and an 11 X 7 sq. ft. storage room perfect for crafts, holiday décor, food storage, etc. The ground floor is 3,099 sq. ft. which includes the owner's suite, 2 additional bedrooms (one of these bedrooms closet has a rock climbing wall that leads you up to an adorable little playroom loft), full hallway bath, half bath, spacious laundry room, great room and a significant flex space perfect for a home office, den, game room, formal living room, etc. The resort-style backyard, which was recently installed in 2025, features a sparkling pool, water slide, larger elevated spa, exterior lighting, covered patio with stunning travertine decking and a beautiful landscape surrounded by open skies, mountain views and spectacular sunsets. Equestrian and animal lovers will be captivated by the exceptional setup: 3 covered horse stalls with electricity and cooling fans, plus two additional animal enclosures ideal for goats, sheep, chickens, or other livestock. Hobbyists and professionals will enjoy the 20 x 20 concrete workshop with full electrical. With an oversized 3-car garage and 2 long driveways, there is ample room for vehicles, boats, trailers, gear and all the toys. Every inch of this estate is designed for comfort, function, and elevated living offering unparalleled freedom and versatility with no HOA restrictions. This is more than a property; it's a lifestyle sanctuary where luxury meets wide-open possibilities. (see attached floorplans)
Source: ARMLS #6945586
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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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