Michael Graham

Michael Graham

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$385,000

($74,884 down)
FHA

8109 Birch Street, Bakersfield, CA 93311

3
3
1,631 sqft
PITI Monthly
$2,309.19 /mo

Listing courtesy of: Leticia Alvarez, RE/MAX Alliance Group

Assumed Rate

3.76%
7.15%

Principal & Interest

$1,525 /mo
$2,222 /mo

What's Special

LOCATION
SHOPPING
DINING
SPACIOUS
VAULTED CEILINGS
CHARMING

Welcome to 8109 Birch St, Bakersfield, CA 93311 Nestled in the highly desirable "The Oaks" neighborhood, this charming two-story home offers a perfect blend of comfort, style, and convenience. With over 1,600 sq. ft. of well-designed living space, this home is ideal for families or anyone seeking a relaxed and spacious environment. The Generous layout features 3 spacious bedrooms and 2.5 bathrooms, this home provides ample room for daily living and entertaining. Enjoy the open, airy feel of vaulted ceilings that add a touch of elegance and enhance natural light. The kitchen comes equipped with appliances, including microwave, stove and a dishwasher, making meal prep and cleanup a breeze. Private outdoor space features a fenced backyard with a great space for relaxing, gardening, or hosting get-togethers. Also includes a two-car garage with additional storage space. Conveniently located near schools, parks, and a variety of dining and shopping options, this home delivers both lifestyle and location. Don’t miss your opportunity to own in one of Bakersfield’s most established communities!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.76
Remaining Loan Term
27 years, 0 months
Monthly PITI
$2,309.19/mo
Estimated Loan Balance
$310,668
Cash to close
$74,884
Interest Paid
$36,092

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 3
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Den
  • Flooring: Carpet, Laminate, Tile

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Clay
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Other
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Clay
Condition
  • Year Built: 1989
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: StreetLights
HOA
  • Has HOA: No
Location
  • Region: Bakersfield

Financial Details

  • Price per Sqft: $236.05
  • Tax Annual Amount: $4812.5
  • On Market Date: 2025-04-14T00:00:00.000Z
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.

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Savings Calculator

Current cash to close is $74,884 (19%)
You can enter any amount below - secondary financing will cover the difference if needed.
19%
$

You cover the entire equity of $74,884!

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

Loan Breakdown

Assumed Mortgage3.76% Sellers Rate
$310,116
Your Cash$74,884
Total Purchase Price:$385,000

Assumed vs Traditional Mortgage

Assumed @ 3.76%
$1,525/mo
Traditional @ 7.15%
$2,304/mo
You save $779/month ($9,351/year)

*Secondary financing rates are an estimated value based on input

MLS ID: IN25080551

Listing From:

Last updated: 2025-04-17T13:56:59.000Z

© , 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

3.76%
7.15%

Principal & Interest

$1,525 /mo
$2,222 /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 $74,884 (19%)
You can enter any amount below - secondary financing will cover the difference if needed.
19%
$

You cover the entire equity of $74,884!

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

Loan Breakdown

Assumed Mortgage3.76% Sellers Rate
$310,116
Your Cash$74,884
Total Purchase Price:$385,000

Assumed vs Traditional Mortgage

Assumed @ 3.76%
$1,525/mo
Traditional @ 7.15%
$2,304/mo
You save $779/month ($9,351/year)

*Secondary financing rates are an estimated value based on input

Follow Us
exp realty
Agent/Broker
Michael Grahamexp realty(480) 628-9392michael@grahamgroupaz.comMLS

© 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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