3690 Gray Street
VA Assumable
3.05% Rate
30 photos
Click to enlarge

3690 Gray Street

Wheat Ridge, CO 80005

2
Bedrooms
2
Bathrooms
1,168
Sq Ft

Payment Calculator

$3,484
per month, total
$36,250
cash you bring

In an assumption, your down payment covers the seller's equity. You'll need at least 5% of the purchase price in cash, and the rest can be covered with secondary financing.

How much can you bring down?$36,250
$36,250$240,394
Second loan$204,144
%
Blended rate4.37% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$4,353/mo
Assumable @ 3.05% + gap
$3,484/mo
$870
per month
$10,437
per year
$313,113
over 30 years

Estimates only, not a loan offer, quote, or approval. Payments are principal and interest and exclude taxes, insurance, HOA dues and closing costs. The second-loan rate is an assumption you can edit, not a quoted rate. Assumption terms are subject to lender and servicer approval and verification.

🏦 Loan Details

List Price
$725,000
Assumable Rate
3.05%
Remaining Balance
$484,605
Loan Type
VA
Est. Equity Gap
$240,394
Annual Taxes
$3,741

About This Home

SHOWINGS BEGIN FRIDAY 9/25 | Welcome to 3690 Gray Street, a thoughtfully updated 3-bedroom, 2-bath home on a large corner lot that effortlessly combines an exceptional location, functional floor plan and generous indoor-outdoor living for the ideal Colorado lifestyle. Enjoy Panorama Park’s tennis courts, athletic fields, fitness court and playground, just a block away. You're also just one mile from Tennyson Street's vibrant shops and dining, minutes from the Highlands, and a quick drive to the foothills. The inviting entry opens to a light-filled living room with Oak hardwood floors, large picture window, and access to both the private front courtyard and covered back patio. The dining room flows into a bright white, updated kitchen featuring quartz countertops, Maytag appliances, glass accents, abundant cabinetry, dedicated pantry, and reverse-osmosis water filtration system. The private owner’s suite occupies its own wing and features vaulted ceilings, exposed beams, outdoor access, and a luxurious 5-piece ensuite with soaking tub, waterfall shower, and double vanity. Two spacious secondary bedrooms share a newly renovated full bath and convenient laundry nook. Outside, enjoy a private, fully fenced backyard with abundant room for outdoor dining, entertaining, gardening, and recreation. A covered back patio extends the living space, while the newly repaved front courtyard creates another inviting place to relax and watch the sunset. The oversized 2-car garage has plenty of storage, driveway, and additional space on the side provides potential for even more possibilities, including RV parking or ADU. In addition to the fully renovated owner’s wing and bathrooms, the home has been extensively refreshed with central air conditioning, a new tankless water heater, new interior paint, new baseboards, newer ceiling fans and light fixtures throughout the home, and more, allowing the next owner to move in and enjoy.

Listing information is deemed reliable but not guaranteed. All data provided by the MLS and is subject to change. The Assumable Guy is not the listing agent for this property. Contact us to connect with the listing agent and explore assumable financing options.

This listing
$725,000
3.05% rateVASave $870/mo

Request a Tour or Talk With an Agent

Schedule a showing or talk with our team

Or reach us directly:

📞 (719) 618-3936