579 Calla Ave Imperial Beach, CA 91932
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About this home
Nestled in a serene, sought-after enclave just a few blocks from the Pacific, this refreshed residence offers the rare combination of relaxed beach-town charm and sophisticated living. This three bedroom, two bath upgraded home is located on a generously sized corner lot. It is in close proximity to local eateries, shopping, and more. The beach is less than a mile away and you can easily head north on Silver Strand to explore the coastline all the way up to Coronado. This beach retreat will capture your heart from the second you pull up and see the picket fenced yard with mature landscaping. The serene front porch greats you upon your entrance. Step inside to find modern finishes throughout as well as newly refinished wood floors and freshly painted walls. The home features spacious rooms as well as updated bathrooms. The functional kitchen has white shaker cabinets, upgraded counters, and a cozy dining area that faces the front of the home. There is a large additional sunroom living area that has a full bathroom attached as well. The backyard sanctuary is ready for your enjoyment with patio areas, and abundance of well manicured grass and mature landscaping. Set within one of San Diego County’s most authentic coastal communities, this address embodies the Imperial Beach lifestyle where morning surf sessions, beach strolls, and local cafés are all part of the rhythm of daily life. Enjoy proximity to the Tijuana Estuary, Silver Strand Bikeway, and the area’s growing collection of restaurants and breweries. With it's easy access to downtown San Diego, Coronado, and nearby military installations, Imperial Beach remains a hidden gem along California’s southern coastline. Whether you’re seeking a primary residence, vacation retreat, or investment opportunity, this home delivers the perfect blend of comfort, location, and lifestyle. Few homes offer this level of design and livability so close to the sand at this affordable price. It's an exceptional coastal opportunity ready for you to make it yours!
Source: CRMLS #PTP2507935
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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.