16047 97th
FHA Assumable
3.77% Rate
50 photos
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16047 97th

Commerce City, CO 80022

4
Bedrooms
3
Bathrooms
2,060
Sq Ft

Payment Calculator

$3,547per month

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?$24,750
$24,750$287,713
Secondary Financing8.5% Rate
$262,963
Blended rate5.87% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,972/mo
Assumable @ 3.77% + gap
$3,547/mo
$0
per month
$0
per year
$0
over 30 years

🏦 Loan Details

List Price
$495,000
Assumable Rate
3.77%
Remaining Balance
$328,388
Loan Type
FHA
Est. Equity Gap
$287,713
Annual Taxes
$4,760
HOA/mo
$504

About This Home

Welcome to 16047 E. 97th Place. This standout home is nestled in Fronterra Village. The main level utilizes an open floorplan with excellent flow, while enjoying great natural light from the oversized windows. Wood-style laminate flooring grounds the family room, which is anchored by a gas fireplace and a craftsman staircase. The kitchen provides a seamless workspace. Featuring seamless quartz countertops, crisp white cabinetry, and smart under-cabinet lighting adding striking color to the tile backsplash or extra lighting throughout the countertops. Premium stainless steel appliances include a double oven and a 5-burner gas range. A private, formal dining area sits adjacent to the kitchen. And the breakfast nook offers direct access to the back deck. \r The upper level organizes all four bedrooms for maximum convenience. The expansive primary suite is positioned at the rear of the home to ensure quiet privacy. This space includes vaulted ceilings, custom blinds, and a walk-in closet. The attached 5-piece bathroom provides comfort an convenience with a jetted tub, a multi-head shower, and separate sinks. \r The 1,068 square foot unfinished basement offers a clean, open layout for immediate storage or future equity generation, and from for expansion with rough-ins for a future bathroom, wet bar, or kitchen area if desired.\r The exterior of the home is heavily shaded by large, mature trees that provide natural cooling and privacy. The backyard features a raised wood deck and an adjoining patio for outdoor seating. The oversized 2-car garage is fully finished. It includes the ability to charge EV vehicles, a dedicated workbench space, and built-in storage. \r This location supports a highly active lifestyle. You are located just two blocks from local parks. Second Creek Elementary and Otho Stuart Middle School are a short walk away. A brand new Rocky Vista High School is slated to open nearby in 2027.

Data Source: REcolorado MLS

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
$495,000
3.77% rateFHASave $1,767/mo

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