Ranch home in Phoenix, AZ
A Ranch home in Phoenix, AZ, it offers 3 bedrooms and 2 bathrooms across 1,587 square feet. The Ranch styling carries through the home's design.
| Price | $399,000 |
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| Beds | 3 |
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| Baths | 2 |
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| Sqft | 1587 |
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| Architectural style | Ranch (47% match) |
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| Address | 3819 W MERCER Lane, Phoenix, AZ 85029 |
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Why buy this home
- Confirmed Ranch architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced a little under the area.
- At $399K, this home is 5% below the $420K median for 1131 similar Ranch homes in Phoenix, AZ.
- That works out to $251 per square foot, 8% below the $274 comparable rate.
- On the market 9 days.
| This home | $399,000 |
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| Ranch median in Phoenix, AZ | $420,000 (1131 homes) |
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| Price per sq ft | $251 vs. $274 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $2,540/month with 20% down at a 7.28% 30-year fixed rate. You would need about $108,848 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,184/mo |
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| Property tax (new-buyer reassessed rate) | $206/mo |
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| Homeowners insurance | $150/mo |
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| Total monthly | $2,540/mo |
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| Down payment (20%) | $79,800 |
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| Income needed | $108,848/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home A+ (93 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | A+ (93/100) |
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| Beats renting in | 81% of modeled paths |
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| Modeled 5-yr equity (median) | $333,397 |
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| Range (10th to 90th pct) | $232,729 to $454,521 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Phoenix, AZ where local data is thin.
Local home values
Typical home values in Phoenix, AZ have risen about 8% over the past 5 years (-1% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Trulia