Jay Sobarnia

Jay Sobarnia

Property SearchContact
primary-1
primary-2primary-3
Active

$899,000

($153,827 down)
VA

1202 Hardin Dr, El Cajon, CA 92020

4
3
1,450 sqft
PITI Monthly
$5,109.08 /mo

Listing courtesy of: Kevin Piechota, eXp Realty of California, Inc.

Assumed Rate

4.48%
7.15%

Principal & Interest

$3,956 /mo
$5,286 /mo

What's Special

SHOPPING
SPACIOUS
HOME OFFICE
FENCED YARD
MATURE TREES
INCOME POTENTIAL

Welcome to 1202 Hardin Drive—where charm, privacy, and endless possibilities come together on a spacious lot tucked into one of El Cajon’s most desirable neighborhoods. This single-level home offers 4 bedrooms and 3 full bathrooms, including a unique garage conversion that serves as an additional bedroom with its own private entrance and fenced yard area—perfect for a rental unit, guest suite, home office, or easily converted back to a garage. Step into the zen-inspired garden, lined with tall hedges for total privacy. The peaceful setting is ideal for morning coffee, yoga, or winding down under the stars. Beyond that, a second backyard area awaits—featuring mature trees, colorful flowers, and a vintage chicken coop that adds charm and function for those dreaming of a mini homestead. Inside, you’ll find a layout designed for flexibility, with two separate outdoor living areas and multiple entrances that make multi-generational living or rental potential a breeze. The oversized lot offers room to expand, add an ADU, or simply enjoy as-is. Whether you're an owner-occupant looking for space and serenity or an investor exploring income potential, this home delivers options—all while being close to parks, schools, shopping, and freeway access. Don’t miss this rare opportunity to own a slice of East County paradise.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
4.48
Remaining Loan Term
27 years, 2 months
Monthly PITI
$5,109.08/mo
Estimated Loan Balance
$748,669
Cash to close
$153,827
Interest Paid
$97,082

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Electric, ForcedAir
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Composition
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Composition
Condition
  • Year Built: 1956
Details
  • Builder:

Community & HOA

Community
  • Subdivision: El Cajon
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: El Cajon

Financial Details

  • Price per Sqft: $620
  • Tax Annual Amount: $11237.5
  • On Market Date: 2025-04-16T00:00:00.000Z
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 $153,827 (17%)
You can enter any amount below - secondary financing will cover the difference if needed.
17%
$

You cover the entire equity of $153,827!

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

Loan Breakdown

Assumed Mortgage4.48% Sellers Rate
$745,173
Your Cash$153,827
Total Purchase Price:$899,000

Assumed vs Traditional Mortgage

Assumed @ 4.48%
$3,956/mo
Traditional @ 7.15%
$5,483/mo
You save $1,527/month ($18,321/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250024686SD

Listing From:

Last updated: 2025-04-18T19:19:03.000Z

© , 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

4.48%
7.15%

Principal & Interest

$3,956 /mo
$5,286 /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 $153,827 (17%)
You can enter any amount below - secondary financing will cover the difference if needed.
17%
$

You cover the entire equity of $153,827!

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

Loan Breakdown

Assumed Mortgage4.48% Sellers Rate
$745,173
Your Cash$153,827
Total Purchase Price:$899,000

Assumed vs Traditional Mortgage

Assumed @ 4.48%
$3,956/mo
Traditional @ 7.15%
$5,483/mo
You save $1,527/month ($18,321/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Home Smart Advantage
Agent/Broker
Jay SobarniaHome Smart Advantage(520) 500-9515jay@tucsonlistingagent.comMLS SA696671000

© 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 Home Smart Advantage 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.

equal-housing

Home Smart Advantage © is committed to and abides by the Fair Housing Act of Equal Opportunity.