Ari Jakobov

Ari Jakobov

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$949,000

($641,304 down)
VA

617 Cathy Ln, Cardiff By The Sea, CA 92007

2
1
816 sqft
PITI Monthly
$2,735.76 /mo

Listing courtesy of: Raquel Abrams, The Oppenheim Group

Assumed Rate

2.2%
7.15%

Principal & Interest

$1,531 /mo
$2,528 /mo

What's Special

REMODELED
DINING
SPACIOUS
MODERN
LUXURY
BIKE PATHS
CHARMING
COZY
NO HOA

Welcome to this charming coastal beach bungalow—an updated, single-story twin home just 1 mile from Coast Hwy 101 and the sands of Cardiff-by-the-Sea. This 2-bed, 1-bath home offers an open-concept layout filled with natural light and coastal charm. Enjoy new luxury vinyl plank flooring, a fully remodeled bathroom, quartz kitchen counters, updated kitchen sink and faucet, modern ceiling fans, and a sleek automated garage door. The front yard features fresh sod with sprinkler irrigation, while the backyard offers low-maintenance, drought-tolerant landscaping—perfect for relaxing or entertaining. The kitchen includes a bartop dining area ideal for casual meals. Step outside to a spacious backyard with a cozy firepit and tiered seating—perfect for sunset gatherings. Additional features: indoor laundry, 1-car garage, driveway + street parking, and no HOA. Conveniently located near the 5 Freeway, downtown Encinitas, Cardiff Plaza, and top restaurants, shops, and schools. Walk to Encinitas Community Park, Bobby Riggs Pickleball Club, San Dieguito High, and more. With the city investing $4M in local upgrades—bike paths, sidewalks, and repaved roads—this home blends lifestyle, comfort, and community. Whether you’re a first-time buyer, looking for a coastal retreat, or seeking an income property, this beachside gem is a rare opportunity in one of North County’s most beloved beach towns.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
2.2
Remaining Loan Term
21 years, 0 months
Monthly PITI
$2,735.76/mo
Estimated Loan Balance
$522,942
Cash to close
$641,304
Interest Paid
$29,180

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 2
  • Bathrooms: 1
Cooling & Heating
  • Cooling: None
  • Heating: ForcedAir, NaturalGas
Features
  • Materials: Drywall, Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: GoodCondition, Privacy, Wood
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: Condominium
  • Architectural Style: Unknown
Materials
  • Drywall, Stucco
  • Roof: Unknown
Condition
  • Year Built: 1968
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Cardiff By The Sea
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Cardiff By The Sea

Financial Details

  • Price per Sqft: $1,162.99
  • Tax Annual Amount: $11862.5
  • On Market Date: 2025-04-10T00:00:00.000Z
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

Current cash to close is $641,304 (68%)
You can enter any amount below - secondary financing will cover the difference if needed.
68%
$

You cover the entire equity of $641,304!

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

Loan Breakdown

Assumed Mortgage2.2% Sellers Rate
$307,696
Your Cash:$641,304
Total Purchase Price:$949,000

Assumed vs Traditional Mortgage

Assumed @ 2.2%
$1,531/mo
Traditional @ 7.15%
$2,613/mo
You save $1,082/month ($12,987/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250024124SD

Listing From:

Last updated: 2025-04-16T05:22:22.000Z

© , CRMLS. 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

2.2%
7.15%

Principal & Interest

$1,531 /mo
$2,528 /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

Current cash to close is $641,304 (68%)
You can enter any amount below - secondary financing will cover the difference if needed.
68%
$

You cover the entire equity of $641,304!

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

Loan Breakdown

Assumed Mortgage2.2% Sellers Rate
$307,696
Your Cash:$641,304
Total Purchase Price:$949,000

Assumed vs Traditional Mortgage

Assumed @ 2.2%
$1,531/mo
Traditional @ 7.15%
$2,613/mo
You save $1,082/month ($12,987/year)

*Secondary financing rates are an estimated value based on input

Follow Us
eXp Realty
Agent/Broker
Ari JakoboveXp Realty(602) 500-9874ari@jakobovgroup.comMLS SA699624000

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than eXp Realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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