Diana & Jason Jones

Diana & Jason Jones

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$938,000

($15,514 down)
FHA

6400 Mokelumne Ave, Oakland, CA 94605

3
2
1,672 sqft
PITI Monthly
$6,170.69 /mo

Listing courtesy of: Paul Wong, Fifty Hills Real Estate

Assumed Rate

3.21%
7.15%

Principal & Interest

$4,277 /mo
$6,672 /mo

What's Special

SPACIOUS
MODERN
FIREPLACE
VAULTED CEILINGS
COZY
EFFICIENT
RENTAL INCOME

Nestled on a desirable corner lot in Oakland’s Upper Millsmont, this updated home offers privacy, nature, and modern flexibility—just minutes from the city. Surrounded by drought-tolerant landscaping and mature fruit trees including lemon, tangerine, avocado, and a plum-apricot hybrid, it welcomes you with warmth and character. Inside, enjoy vaulted ceilings, an open layout, and large windows framing Bay and SF views. The gas fireplace adds a cozy touch for quiet nights or entertaining. Upstairs features two spacious bedrooms and a spa-inspired bath with Jacuzzi tub, glass shower, and stone counters. Downstairs, a private suite with separate entrance includes a bedroom, full bath, and laundry—ideal for guests, rental income, or aging relatives. Sunny yards offer space for gardening or relaxing. Recent upgrades: new plumbing, energy-efficient furnace, and 4K camera security system. Close to parks, hiking, Montclair, the Laurel District, and 580. A rare blend of comfort, nature, and city access.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.21
Remaining Loan Term
26 years, 10 months
Monthly PITI
$6,170.69/mo
Estimated Loan Balance
$926,091
Cash to close
$15,514
Interest Paid
$97,233

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Unknown
  • Heating: ForcedAir
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: SeeRemarks

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Shingle
Parking
  • Garage: Yes
  • Garage Spaces: 1
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories:
  • Home type: SingleFamilyResidence
  • Architectural Style: Traditional
Materials
  • Stucco
  • Roof: Shingle
Condition
  • Year Built: 1952
Details
  • Builder:

Community & HOA

Community
  • Subdivision: UPPER MILLSMONT
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Oakland

Financial Details

  • Price per Sqft: $561
  • Tax Annual Amount: $11725
  • On Market Date: 2025-05-06T00:00:00.000Z
Inquire about this property

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Apply to Assume

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

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Savings Calculator

Current cash to close is $15,514 (2%)
You can enter any amount below - secondary financing will cover the difference if needed.
2%
$

You cover the entire equity of $15,514!

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

Loan Breakdown

Assumed Mortgage3.21% Sellers Rate
$922,486
Your Cash$15,514
Total Purchase Price:$938,000

Assumed vs Traditional Mortgage

Assumed @ 3.21%
$4,277/mo
Traditional @ 7.15%
$6,920/mo
You save $2,643/month ($31,716/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 41096341

Listing From:

Last updated: 2025-05-09T14:56:59.000Z

© , 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

3.21%
7.15%

Principal & Interest

$4,277 /mo
$6,672 /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 $15,514 (2%)
You can enter any amount below - secondary financing will cover the difference if needed.
2%
$

You cover the entire equity of $15,514!

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

Loan Breakdown

Assumed Mortgage3.21% Sellers Rate
$922,486
Your Cash$15,514
Total Purchase Price:$938,000

Assumed vs Traditional Mortgage

Assumed @ 3.21%
$4,277/mo
Traditional @ 7.15%
$6,920/mo
You save $2,643/month ($31,716/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Coldwell Banker Realty
Agent/Broker
Diana & Jason JonesColdwell Banker Realty(602) 790-0734diana.jones@cbrealty.comMLS SA711064000

© 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 Coldwell Banker 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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