Here are 3 major ways debt can affect your ability to buy a home

Debt can affect ability to buy a home.

Debt — and the way you manage it — can help or harm your ability to buy a home.

If you’re preparing to buy a home in the future, you likely have a laundry list of things you need to do to get ready — and that includes getting your finances in tip-top shape.

Aside from double-checking your credit score and credit report and making sure you have enough money saved up to purchase in your desired market, you should also consider the ways your current debt balance might affect your ability to buy a home.

1) It shows lenders you can handle paying back lenders

Having some debt on your credit report is still really important because lenders need “clues” about how good you are at managing different forms of debt. So having a student loan that you paid off on your credit report can be a green flag to lenders.

Or, maybe you’ve been managing two credit cards really well over the last five years; this is another positive trade line that will show up on your credit report and help you appear less risky as a borrower.

If you don’t have any history of managing debt — even one credit card — lenders may not feel comfortable giving you such a large loan because you lack those clues about your debt management habits.

2) Managing debt well can improve your credit score

Healthy debt management habits can set you up to have an easier time getting approved for your home loan. Not only do you have a history of managing debt, but you also have clues that point to positive management habits — and that can be reflected in your credit score.

Most mortgage lenders look for a credit score of at least 620. Some lenders, like Rocket Mortgage, may still consider applicants who have credit scores of at least 580 for some home loans. But the higher your credit score, the lower your mortgage interest rate will be. That’s why working to improve your credit score before you apply can work to your advantage.

Payment history makes up 35% of your credit score. So just by consistently making your credit card, auto loan, and other payments every month, you’re contributing to improving your credit score. Likewise, if you were to miss a payment, this could have a big impact on your credit score.

The amount of money you owe is the second most important factor in determining your credit score (it makes up 30% of your score). This is usually a measure of your credit utilization, which is the amount of money you owe in relation to your total credit limit. Experts typically recommend keeping your credit utilization below 30%.

So if you have $5,000 as a total credit limit and owe $2,500, your credit utilization is 50% and it would be a good idea to continue making payments so you can lower your utilization.

Because of that credit utilization rate, carrying too much debt could drag down your credit score. Coming close to maxing out your available credit makes lenders think that you’re spending beyond your means and would therefore be a risky borrower.

3) Having too much debt can make you ineligible for some home loans

One criteria mortgage lenders assess when reviewing your home loan application is known as the debt-to-income ratio. Your debt-to-income ratio is a comparison of how much you owe to how much money you earn. Your gross income (pre-tax income) is used to measure this number.

A lower debt-to-income ratio suggests that you have a healthy balance between debt and income. However, a higher debt-to-income ratio suggests that too much of your income is going toward paying down debt, and this will make a mortgage lender see you as a risky borrower.

According to a breakdown from The Mortgage Reports, a debt-to-income ratio of no more than 43% is considered good; a ratio closer to 45% might be acceptable depending on the loan you apply for, but a ratio that’s 50% or higher can raise some eyebrows.

A higher debt-to-income ratio could make you unable to be approved for some home loan programs with attractive features, like lower down payment minimums. For instance, the HomeReady loan program from Ally Bank requires applicants to have a debt-to-income ratio of no more than 50%, among other criteria.

If you want to calculate your debt-to-income ratio, here’s what you do: Add up all your monthly debt payments, which include credit card payments, student loan payments, and payments to any other lines of credit you may have. Then Divide this number by your gross income amount. The result is your debt-to-income ratio.

How to consolidate and best payoff debt

If you have an unhealthy amount of debt and are preparing to get a mortgage, consider these strategies to consolidate and pay down your debt.

The debt snowball method is one debt management method where you focus on eliminating the smallest debt balance first while paying just the minimum on all your other debts. On the other hand, the debt avalanche method involves eliminating your highest-interest debt first. Both methods can be instrumental in helping you crush your debt balance in a more organized way.

Debt consolidation is another popular method for paying down debt if you carry balances on multiple credit cards or have multiple loans. Essentially, you’ll apply for a personal loan that’s enough to cover the total amount of debt on all your credit cards. Then, once you’re approved, the lender sends the funding amount to your creditors, which pays off your credit cards. From there, you’ll just have to pay back the personal loan you borrowed.

This method can potentially help you save on interest since personal loan lenders typically offer much lower interest rates compared to credit card issuers. The Happy Money personal loan is one of the best debt consolidation loans out there since this lender will send your funds directly to creditors.

Balance transfer credit cards with a 0% intro APR period are another useful option for getting rid of debt since these credit cards allow you to make interest-free monthly payments for a limited time. Interest charges can eat into your monthly payments and make it feel like your balance is barely going down. With this method, you basically transfer the balance of your current credit card onto a new credit card and you try to pay off the balance before the interest-free period is over.

The Citi® Diamond Preferred® Card offers an intro APR period of 0% for 21 months on balance transfers (after, the 18.24% – 28.99% variable). So you’ll basically have almost two years to make interest-free credit card payments. Just keep in mind that you’ll have to pay a 5% transfer fee on each balance that you transfer ($5 minimum). Balance transfers must be completed within 4 months of account opening.

The Wells Fargo Reflect® Card also offers an intro APR period of 0% for 21 months from account opening on purchases and qualifying balance transfers (after, 18.24%, 24.74%, or 29.99% variable). Balance transfers made within 120 days from account opening qualify for the intro rate, BT fee of 5%, min $5.

Bottom line

Having experience managing debt in a healthy manner can help you get approved for a mortgage, but the key here is to make sure you’re practicing positive habits with your debt. Continue making on-time monthly payments toward your debts, don’t let your credit utilization rate get too high, and be wary of the amount of debt you have in relation to how much you earn.

Source: cnbc.com ~ By: Jasmin Suknanan ~ Image: Canva Pro

7742 Paradise Rd. Modesto, AG & Ranch, 97ac

7742 Paradise Rd. Modesto

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Price Change $3,400,000 – 97 Acre Modesto Dairy!! Permitted for 920 animals plus 300 support stock. Newer Milk Parlor of a Double 15 Parallel Barn, Newer Calves Barn and Hutch Setup, New Lagoon that has a Rubber Liner, Newer Ice Machines, and Newer 400amp Service Panel. Newer Barn with 470 Free-stall Beds. Extremely Fertile River Ground-Approx. 60 acres Farmable with MID Water District. Newer Ag Well Developed to Approx. 750gpm. Approx. 1943sf Main House was Remodeled 4 Bedrooms and 2 full baths with Pool a newer HVAC system. Remodeled 1293sf Second Home of 3 Bedroom & 2 Bath Newer HVAC. Newer Dairy Equipment. Office. Metal Shop. A Must See!!

Property Features

Land Info

  • Lot Description: Building Pad
  • Lot Size Acres: 97.0
  • Lot Size Dimensions: 97 Acres
  • Topography: Agricultural Leveled
  • Vegetation: Crop(s)
  • Lot Size Square Feet: 4225320

Exterior and Lot Features

  • Road Frontage Type: County Road

Homeowners Association

  • Association: No
  • Calculated Total Monthly Association Fees: 0

Rental Info

  • Income Includes: Crop(s), Land

Amenities and Community Features

  • Horse Amenities: Horse Amenities: 9+ Stalls, Barn, Hay Storage

School Information

  • School District: Stanislaus

Commercial Info

  • Business Type: Agricultural, Residential, Dairy

Other Property Info

  • Source Listing Status: Active
  • County: Stanislaus
  • Cross Street: Shiloh
  • Development Status: Building Permits Issued
  • Directions: Paradise Road, just West of Shiloh Road.
  • Disclaimer: All measurements and calculations of area are approximate. Information provided by Seller/Other sources, not verified by Broker. All interested persons should independently verify the accuracy of the information. Provided properties may or may not be listed by the office/agent presenting the information. Copyright © 2023, MetroList Services, Inc. Any offer of compensation for the real estate content on this site is made exclusively to Broker Participants of the MetroList® MLS & Broker Participants of any
  • Source Property Type: Land
  • Possible Use: Agricultural, Dairy, Residential
  • Area: Rural Modesto West of Hwy 99
  • Source Neighborhood: 20109
  • Parcel Number: 017-027-040-000
  • Postal Code Plus 4: 8217
  • Zoning: RES
  • Zoning Description: Agricultural, Dairy, Residential
  • Property Subtype: Agriculture
  • Source System Name: C2C

Farm Info

  • Irrigation Source: District

Utilities

  • Sewer: Septic Tank
  • Public
  • Water Source: Agricultural Well, Irrigation District

Building and Construction

  • Other Buildings: Barn(s), Pole Barn, Residence, Commodity Shed, Free Stall Barn, Garage(s)

11890 E Monte Vista Ave. Denair, 468.26 Acres

11890 E Monte Vista Ave. Denair

 

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New Price $10,301,720 – 468 Acres…Big Ranch of Almonds!!! 4 Ag Wells, and TID Class 2 Water from two-75hp variable Booster Pumps from the TID Highline Canal (10-year Contract). Young 159 Acres of Independence, Viking Root Stock, 22’x13′ Planted in December of 2021 & April of 2022. The Remaining orchard and blocks comprise of Almond trees planted in 2018, 2001, 2005, 2006, & 2012. Varieties are 90 acres of Nonpareil & Aldrich planted in 2012. 120 Acres with Blocks of Monterey, Carmel, and blocks of Nonpareil, Monterey, Fritz, & Buttes. Another block of 47 acres of Nonpareil, Monterey, & Fritz. Other Remaining Blocks of Butte, Livingston, & Padre. Large Custom Estate home on the Hill-Top with Panoramic Views. This home is about 2376sf, built in 1998 with 4 Bedrooms, and 5 Baths. Another Dwelling for Employee housing. Carports and Outbuildings for Storage and Containment. This Property is multiple Approx. 40 acres parcels. 

Property Features

Exterior and Lot Features

  • Road Frontage Type: County Road
  • Road Surface Type: Paved, Dirt

Land Info

  • Lot Size Acres: 468.26
  • Lot Size Dimensions: Approx. 468.26 Acres
  • Topography: Agricultural Leveled
  • Vegetation: Crop(s), Trees Many
  • Lot Size Square Feet: 20397406

Home Features

  • View: Panoramic

Homeowners Association

  • Association: No
  • Calculated Total Monthly Association Fees: 0

Rental Info

  • Income Includes: Crop(s)

School Information

  • School District: Stanislaus

Commercial Info

  • Business Type: Agricultural, Orchard

Other Property Info

  • Source Listing Status: Active
  • County: Stanislaus
  • Cross Street: Hall Road
  • Directions: ON Monte Vista, East of Highway 99. Just pastor East of Hall Road.
  • Disclaimer: All measurements and calculations of area are approximate. Information provided by Seller/Other sources, not verified by Broker. All interested persons should independently verify the accuracy of the information. Provided properties may or may not be listed by the office/agent presenting the information. Copyright © 2023, MetroList Services, Inc. Any offer of compensation in the real estate content on this site is made exclusively to Broker Participants of the MetroList® MLS & Broker Participants of any
  • Distance To Phone Service Comments: Phone To Site
  • Distance To Sewer Comments: Septic At Site
  • Source Property Type: Land
  • Possible Use: Agricultural, Orchard
  • Area: Turlock Rural E of Hwy 99 So of
  • Source Neighborhood: 20306
  • Parcel Number: 024-005-020-000
  • Postal Code Plus 4: 9667
  • Zoning: AG
  • Zoning Description: Agricultural, Orchard, Agricultural/Residential
  • Property Subtype: Agriculture
  • Source System Name: C2C

Farm Info

  • Irrigation Source: District, Drip System, Micro Sprinklers, Well

Utilities

  • Sewer: Septic Tank
  • Phone Connected
  • Propane Tank Owned
  • Public
  • Water Source: Agricultural Well, Domestic Well With Pump, Irrigation District

11900 E Monte Vista Ave. Denair, 40.07ac Ag Land

11900 E Monte Vista Ave, Denair

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New Price $8,500,000 – 40 Acre Almond Plant!! Its a Huller, Sheller, Processor, & Handler. Approx. 26, 000sf of total Facility with Newer Equipment starting with the first build in 2009. Air Permit of over 7 million Annual Pounds. 8 stage hulling/shelling lines with four 40 hard-shell crackers and three 36 hard-shell crackers and the final 36 sheer roll/hard shell crackers for a cleanup line, set up on a waterfall design. The Processor Building has a Hopper intake that feeds two tables for hand sorting and packaging to fit either 2000# fiber bins or 50# bags. Color Sorter with 7 sorting lines with both uses of the final product after hulling/shelling to utilizing it again through processing. Plenty of options to run Bulk material and/or In-Shell Products. 2 Bag Houses, 2 Connecting Cold Storage Buildings/Fumigation. Modular Home. 70′ Scale. Domestic Well. Fire-Water System. Orchards: Young 17 acres of Independence Almond Trees planted in November of 2021 and 8 acres of Nonpareil/Aldrich planted in 2012 all on Double drip and/or micro-sprinklers, powered by TID Well Pumps and TID Class 2 Water System by 2 Booster Pumps from the TID Highline Canal. Saving some $$$ in the TID Power District.

Property Features

Exterior and Lot Features

    • Fencing: Chain Link
    • Road Frontage Type: County Road

Land Info

    • Lot Description: Fire Hydrant(s)
    • Lot Size Acres: 40.07
    • Lot Size Dimensions: Approx. 40.07 acres
    • Topography: Agricultural Leveled, Level
    • Vegetation: Crop(s)
    • Lot Size Square Feet: 1745449

Homeowners Association

    • Association: No
    • Calculated Total Monthly Association Fees: 0

School Information

    • School District: Stanislaus

Commercial Info

    • Business Type: Agricultural

Other Property Info

    • Source Listing Status: Active
    • County: Stanislaus
    • Cross Street: Hall Road
    • Development Status: Building Permits Issued, Improvements Complete
    • Directions: On Monte Vista, East of Santa Fe and East of Highway 99. An Active Business, Do not Disturb the Current Operation without an appointment.

Disclaimer: All measurements and calculations of area are approximate. Information provided by Seller/Other sources, not verified by Broker. All interested persons should independently verify the accuracy of the information. Provided properties may or may not be listed by the office/agent presenting the information. Copyright © 2023, MetroList Services, Inc. Any offer of compensation in the real estate content on this site is made exclusively to Broker Participants of the MetroList® MLS & Broker Participants of any

    • Distance To Electric Comments: Electricity To Site
    • Source Property Type: Land
    • Possible Use: Agricultural
    • Area: Turlock Rural E of Hwy 99 So of
    • Source Neighborhood: 20306
    • Parcel Number: 024-005-022-000
    • Postal Code Plus 4: 9666
    • Zoning: AG
    • Zoning Description: Agricultural
    • Property Subtype: Agriculture
    • Source System Name: C2C

Farm Info

    • Irrigation Source: Deep Water Turbine, Drip System, Micro Sprinklers

Utilities

    • Electric: Electric Available
    • Sewer: Engineered Septic
    • Public
    • Water Source: Agricultural Well, Domestic Well With Pump

1394 Pajaro Ave Apt #20, Manteca, 2 bed/2 bath/1,023sqft

1394 Pajaro Ave Apt 20, Manteca

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Property Overview

$365,000 – Be an Owner of Your New Home! Pajaro #20 is Calling our Name. Approx. 1023sf dwelling with 2 Bedrooms and 2 Full Baths. Deep 2 Car Garage with Laundry Area. Master Bedroom has a Walk-in closet. Great Home with a Nice Floor Plan. Super Clean and Ready to move into.

Property Features

Bedrooms

  • Bedrooms: 2

Appliances

  • Equipment: Gas Water Heater, Dishwasher, Disposal, Free Standing Electric Oven
  • Laundry Facilities: In Garage

Heating and Cooling

  • Cooling Features: Ceiling Fan(s), Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Shower Stall(s)

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Carpet, Tile

Kitchen and Dining

  • Dining Room Description: Space in Kitchen
  • Kitchen Features: Tile Counter

Pool and Spa

  • Pool Features: Pool Type: Built-In, Common Facility

Exterior and Lot Features

  • Fencing: Back Yard

Land Info

  • Lot Description: Landscape Front
  • Lot Size Acres: 0.0603
  • Lot Size Dimensions: Approx. 2325
  • Lot Size Square Feet: 2627

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-02
  • Postal Code Plus 4: 2719
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Direction Faces: West
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description: Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater

1394 Pajaro Ave. #23 Manteca, 3 bed/2 bath/1,323sqft

1394 Pajaro Ave. #23 Manteca

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Property Overview

$409,900 – Welcome to Pajaro #23. Approx. 1323sf with 3 Bedrooms and 2 Full Baths. This home Features Newer Floors, Newer Granite Counters, Newer Laminate Flooring, Updated Bathrooms, and Newer Carpet. Master Bedroom has a Walk-in Closet. 2 Car Garage with Laundry. A Must See.

Property Features

Bedrooms

  • Bedrooms: 3

Appliances

  • Equipment: Gas Water Heater, Dishwasher, Disposal, Free Standing Electric Oven
  • Laundry Facilities: Hookups Only, In Garage

Heating and Cooling

  • Cooling Features: Ceiling Fan(s), Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Shower Stall(s)

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Carpet, Laminate

Kitchen and Dining

  • Dining Room Description: Dining Bar, Space in Kitchen
  • Kitchen Features: Tile Counter

Pool and Spa

  • Pool Features: Pool Type: Built-In, Common Facility

Land Info

  • Lot Description: Landscape Front
  • Lot Size Acres: 0.0689
  • Lot Size Dimensions: Approx. 3001sf
  • Lot Size Square Feet: 3001

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached, Garage Door Opener, Garage Facing Front

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-05
  • Postal Code Plus 4: 2719
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Direction Faces: West
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description: Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater

1394 Pajaro Ave #26, Manteca, 3 bed/2 bath/1,323sqft

1394 Pajaro Ave 26, Manteca

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Property Overview

$409,900 – Welcome to Pajaro #26. Approx. 1323sf with 3 Bedrooms and 2 Full Baths. This home Features Newer A/C, Newer Floors, Newer Granite Counters, Newer Laminate Flooring, Updated Bathrooms, and Newer carpets. The Master Bedroom has a Walk-in Closet. 2 Car Garage with Laundry. A Must See.

Property Features

Bedrooms

  • Bedrooms: 3
  • Primary Bedroom Features: Walk-In Closet

Appliances

  • Equipment: Gas Water Heater, Dishwasher, Disposal, a Free Standing Electric Oven
  • Laundry Facilities: Hookups Only, In Garage

Heating and Cooling

  • Cooling Features: Ceiling Fan(s), Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Shower Stall(s)

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Living Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Carpet, Laminate

Kitchen and Dining

  • Dining Room Description: Dining Bar, Space in the Kitchen
  • Kitchen Features: Tile Counter

Pool and Spa

  • Pool Features: Pool Type: Built-In, Common Facility

Land Info

  • Lot Description: Landscape Front
  • Lot Size Acres: 0.0723
  • Lot Size Dimensions: Approx. 3150sf
  • Lot Size Square Feet: 3149

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached, Garage Door Opener, Garage Facing Front

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-08
  • Postal Code Plus 4: 2719
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description: Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater

1394 Pajaro Avenue #4, Manteca, 3 bed/2 bath/1,323sqft

1394 Pajaro Avenue 4, Manteca

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Price Change $389,900 – Welcome to Pajaro #4. Approx. 1323sf with 3 Bedrooms and 2 Full Baths. This home Features Newer Floors, Newer Granite Counters, Newer Laminate Flooring, Updated Bathrooms, and Newer Carpet. Master Bedroom has a Walk-in Closet. 2 Car Garage with Laundry. A Must See.

Property Features

Bedrooms

  • Bedrooms: 3

Appliances

  • Equipment: Gas Water Heater, Dishwasher, Disposal, Free Standing Electric Oven
  • Laundry Facilities: In Garage

Heating and Cooling

  • Cooling Features: Ceiling Fan(s), Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Tub w/Shower Over

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Carpet, Laminate, Tile

Kitchen and Dining

  • Dining Room Description: Space in Kitchen
  • Kitchen Features: Granite Counter

Other Rooms

  • Living Room Features: Great Room

Pool and Spa

  • Pool Features: Pool Type: Built-In

Land Info

  • Lot Description: Landscape Front
  • Lot Size Acres: 0.0735
  • Lot Size Dimensions: Approx 3200sf
  • Lot Size Square Feet: 3202

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached, Garage Door Opener, Garage Facing Front

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-11
  • Postal Code Plus 4: 2716
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Direction Faces: North
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description: Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater

1394 Pajaro Avenue #24, Manteca, 2 bed/2 bath/1,023sqft

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Property Overview

PRICE CHANGE $359,900 – Be an Owner of Your New Home! Pajaro #24 is Calling our Name. Approx. 1023sf dwelling with 2 Bedrooms and 2 Full Baths. Deep 2 Car Garage with Laundry Area. Newer Microwave, Newer Dishwasher, Newer Paint, Newer Fence, Newer Garage door opener, Newer Plumbing Fixtures, and More. Master Bedroom has a Walk-in closet and a Shower Stall. Super Clean and Ready to move into.

Property Features

Bedrooms

  • Bedrooms: 2

Appliances

  • Equipment: Gas Water Heater, Dishwasher, Disposal, Free Standing Electric Oven
  • Laundry Facilities: Hookups Only, In Garage

Heating and Cooling

  • Cooling Features: Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Tub w/Shower Over

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Laminate

Kitchen and Dining

  • Dining Room Description: Space in the Kitchen
  • Kitchen Features: Tile Counter

Pool and Spa

  • Pool Features: Pool Type: Built-In, Common Facility

Land Info

  • Lot Description: Landscape Front
  • Lot Size Acres: 0.0603
  • Lot Size Dimensions: Approx. 2625sf
  • Lot Size Square Feet: 2627

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached, Garage Facing Front

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-06
  • Postal Code Plus 4: 2719
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Direction Faces: West
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description: Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater

1394 Pajaro Ave. #19, Manteca, 3bd/2bth/1323sf

1394 Pajaro Ave. #19, Manteca

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Property Overview

$409,900 – Welcome to Pajaro #19. Approx. 1323sf with 3 Bedrooms and 2 Full Baths. This home Features Newer Floors, Newer Granite Counters, Newer Laminate Flooring, Updated Bathrooms, Newer Carpet, Newer Backyard Landscaping, and Newer Water heater. Master Bedroom has a Walk-in Closet. 2 Car Garage with Laundry. A Must See.

Property Features

Bedrooms

  • Bedrooms: 3

Appliances

  • Equipment: Dishwasher, Disposal, Free Standing Electric Oven
  • Laundry Facilities: In Garage

Heating and Cooling

  • Cooling Features: Ceiling Fan(s), Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Tub w/Shower Over

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Carpet, Laminate

Kitchen and Dining

  • Dining Room Description: Space in Kitchen
  • Kitchen Features: Granite Counter

Pool and Spa

  • Pool Features: Pool Type: Built-In, Common Facility

Exterior and Lot Features

  • Fencing: Back Yard

Land Info

  • Lot Description: Landscape Back, Landscape Front
  • Lot Size Acres: 0.0627
  • Lot Size Dimensions: Approx. 2730sf
  • Lot Size Square Feet: 2731

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached, Garage Door Opener, Garage Facing Front

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-01
  • Postal Code Plus 4: 2718
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description:Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater
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