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2878 Ramsey Road
Cambria, CA 93428
Lance Morales with Re/Max Pines by the Sea, original listing - (805) 927-2474
$699,000
Conventional
Property
Bedroom
2
Bathroom
Full: 1, ¾: 1
Property Type
Conventional
Square ft
1121 Square Feet
Property Description
Nestled among the Cambria pines, this A-frame cottage is a true sanctuary. The harmony of shapes, textures, and light come together to craft a timeless abode, where every window frames a vista of verdant pine trees. Not another house is visible in this home’s view corridor so it is quite private and special! The charm of this cottage is in its details - wooden and tile floors blend effortlessly with wood walls, some of which are painted white to enhance the cozy cottage atmosphere. The living area boasts an open floor plan, anchored by a large west-facing window that invites the golden hues of the afternoon sun to bathe the room in warmth. A half-wall separates the living and dining areas from the kitchen, where white tiles with blue accents and wood and glass faced cabinetry evoke the tranquility of the Swedish countryside. Throughout the home are vintage chandeliers and light fixtures. The bedroom on the main level has a large walk-in closet and private view deck. Another deck off the living area provides the ultimate relaxation space. It is privatized by mature landscaping and has a staircase to the top floor of the home which is comprised of a sitting area, another bedroom and a bathroom. The sloped wood walls with windows culminate at the top of the A-frame. A west facing picture window lies above the bed area. This is a self-sufficient space with its own entrance at the top of the deck. At the entrance level of the home is a large bonus/family room with many windows and a French door bringing in afternoon sunshine. This room has two closets, one of which houses the laundry facilities. This sale includes the furniture and furnishings and has a Vacation Rental License. The owners had the roof replaced. The home was recently treated and tented for termites. There are two charming freestanding gas fireplaces in this Cambria cottage. The cottage is located just a short walk to one of the trail entrances to the Fiscalini walking trails and dog park. There is a floor plan in with the pictures. Please also visit the two 360 virtual tours.
Property Information
Lot Size
0 acre(s) square ft
Property Type
Residential-Single Family Residence
Year Built
1985
MLS Number
--
Location
Address
2878 Ramsey Road
City
Cambria
State
CA
Zip Code
93428
County
SAN LUIS OBISPO
Listing
Name
Phone
(805) 235-2794
Office Name
Office Phone
(805) 927-2474
Agent Name
Lance Morales
Agency Phone
(805) 927-2474

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HUD Foreclosures

HUD foreclosures and VA Foreclosures are some of the best homes to buy when price is part of the equation. As with most Americans, price is always a concern. If not buying the same house for less, why not buy more house for the same dollar invested? When looking for a good deal it is hard to do better than the VA or HUD foreclosures market. The simple truth is that there are just more VA and HUD homes on the market, as they represent such a large number of mortgages that are generated each year. This translates into more foreclosures just by the magnitude of difference between all others comparing to the two largest. The two largest also being government owned and operated means that they have less time to wait to make money back on the home. The FHA is especially known for selling HUD homes for less than the average sales price in a given area. FHA foreclosures represent a fraction of HUD but they are still a significant number of homes and both should be considered. VA (Veterans Administration) and HUD (Housing and Urban Development) have different and unique opportunities for the buyer. Both are often forgiven for the local taxes normally associated with the purchase of a home (this is on a county by county basis). Be sure to ask the local title company or escrow company to look into it for you before closing as this is often missed due to their are not used to dealing with the 2 to 3 percent of the market that VA and HUD foreclosures represent.

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Foreclosure Listings Increasing

As the market settled after the mortgage meltdown foreclosure listings also settled and fewer homes were on the market with a placard reading “Bank Foreclosure” in big red lettering. This was a good thing for the entire real estate market. Having an abundance of foreclosures brings the entire market down and it makes it harder for home owners, who would like to move, to get the appropriate price for their home as a similar home down the same street was sold for substantially less and the appraiser is using the foreclosure as a comparable sale. This is just one of the problems when there are too many foreclosure listings in any area. Another issue is the television set that sits in everyone’s living room harping about the price of homes based on the number of foreclosures and this constant barrage of negative information makes most people sit on the sidelines waiting for the market to either implode completely or to correct itself. Meanwhile while they wait, others are buying foreclosure listings and making great investments. Whatever the reason, a market can only handle so many foreclosure listings at any given time. The more foreclosures, the lower the market gets and this is a lesson the banks that were foreclosing and selling off realized too late. The market and their investments would have been better off if there had not been a rush to divest themselves of the toxic assets made more toxic by their own actions.