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$427,990

($24,976 down)
FHA

3646 Whispering Creek Circle, Stockton, CA 95219

3
2
1,076 sqft
PITI Monthly
$2,902.37 /mo

Listing courtesy of: Laura Teposte, Coldwell Banker Residential Brokerage

Assumed Rate

6.34%
7.15%

Principal & Interest

$2,563 /mo
$2,785 /mo

What's Special

GATED COMMUNITY
MINUTES AWAY
SHOPPING
DINING
SPACIOUS
GRANITE COUNTERTOPS
STAINLESS STEEL APPLIANCES
FIREPLACE
WALK-IN CLOSET
PATIO
PRIVATE BACKYARD
MATURE TREES
CLUBHOUSE
CHARMING
COZY

Nestled in the desirable Applebrook gated community of Brookside, this welcoming home offers the perfect blend of comfort and style. Drive through the community's tree-lined streets and arrive at a home that's bright, inviting, and designed for easy living. Step inside to an open floor plan that fills the space with natural light. The spacious living room features a cozy fireplace and access to the private backyard, ideal for relaxing or entertaining. The kitchen is truly stunning, with sleek white cabinets, granite countertops, and stainless steel appliances. It's a perfect spot for cooking and enjoying meals with family or friends, with a convenient breakfast bar and dining area. The private primary suite is a peaceful retreat, complete with a walk-in closet and a stylish bathroom featuring a shower and linen closet. Two additional bedrooms offer lovely views of the mature trees outside. The home also includes a second bath with a tub-over-shower combo and a laundry area. Step outside to a private patio that's perfect for outdoor entertaining or just enjoying some downtime. Plus, the community offers fantastic amenities, including a clubhouse, pool, and parks, all just minutes away from schools, shopping, dining, and freeway access. Make this charming home yours today!

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Assumption Snapshot

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Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.34
Remaining Loan Term
28 years, 2 months
Monthly PITI
$2,902.37/mo
Estimated Loan Balance
$403,446
Cash to close
$24,976
Interest Paid
$47,447

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Central
  • Heating: Central
Features
  • Materials: Stucco, Wood
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Family Room, Gas Starter
  • Flooring: Carpet, Tile

Exterior

Fencing
  • Fencing: Back Yard, Fenced, Wood, Masonry
Roof
  • Roof: Shingle
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces: 0
Water
  • Sewer: Public Sewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features:

Construction

Type & Style
  • Stories: 0
  • Home type: Single Family Residence
  • Architectural Style: Traditional
Materials
  • Stucco, Wood
  • Roof: Shingle
Condition
  • Year Built: 1995
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features:
HOA
  • Has HOA: Yes
  • HOA Name: BROOKSIDE MASTER ASSOC
  • HOA Amenities: Unknown
  • HOA Fee: $786
  • HOA Frequency: $Quarterly
Location
  • Region: Stockton

Financial Details

  • Price per Sqft: $397.76
  • Tax Annual Amount: $
  • On Market Date: 2025-04-23T01:13:25.000Z
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Savings Calculator

Current cash to close is $24,976 (6%)
You can enter any amount below - secondary financing will cover the difference if needed.
6%
$

You cover the entire equity of $24,976!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage6.34% Sellers Rate
$403,014
Your Cash$24,976
Total Purchase Price:$427,990

Assumed vs Traditional Mortgage

Assumed @ 6.34%
$2,563/mo
Traditional @ 7.15%
$2,889/mo
You save $326/month ($3,909/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 225010031

Listing From: MLS Metrolist

Last updated: 2025-04-10T23:25:04.000Z

© , MLS Metrolist. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

6.34%
7.15%

Principal & Interest

$2,563 /mo
$2,785 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Upgrade to gain access

Get Access

Savings Calculator

Current cash to close is $24,976 (6%)
You can enter any amount below - secondary financing will cover the difference if needed.
6%
$

You cover the entire equity of $24,976!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage6.34% Sellers Rate
$403,014
Your Cash$24,976
Total Purchase Price:$427,990

Assumed vs Traditional Mortgage

Assumed @ 6.34%
$2,563/mo
Traditional @ 7.15%
$2,889/mo
You save $326/month ($3,909/year)

*Secondary financing rates are an estimated value based on input

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UMe Realty Group © is committed to and abides by the Fair Housing Act of Equal Opportunity.