13864 Grapefruit Ct, Riverside, CA 92503
4 beds · 3 baths · 2,832 sqft
Step into luxury with this exceptional single-story estate, perfectly situated on an elevated lot in one of Citrus Heights’ most coveted neighborhoods, offering breathtaking panoramic city light views and a rare opportunity to assume a 2.75% loan. From the moment you arrive, the home’s impeccable curb appeal—with manicured turf, brick-accented steps, and a private front courtyard—sets the stage for the elegance that awaits inside. Designed with both entertaining and everyday comfort in mind, the expansive open-concept layout features wide-plank luxury vinyl flooring, crown molding, recessed lighting, and a versatile bonus room ideal as a formal living space, executive office, or potential fourth bedroom. At the heart of the home lies a chef’s kitchen, complete with granite countertops, stainless steel appliances, a walk-in pantry, soft-close cabinetry, a generous center island with bar seating, and a sunlit breakfast nook. French doors open from the formal dining room to a tranquil atrium courtyard with retractable awning—perfect for al fresco dining or morning coffee. The adjoining family room is a true showpiece, featuring a cozy fireplace, mounted TV, ceiling fans, ambient lighting, and a retractable glass wall that seamlessly connects to the fully covered California Room—your own private oasis for year-round indoor-outdoor living. The resort-style backyard boasts a sparkling pool with custom fountains, low-maintenance drought-tolerant landscaping, mature palm trees, and lush fruit-bearing apple, cherry, and pear trees—all framed by unobstructed views that dazzle day and night. The grand primary suite is a private retreat with soaring ceilings, access to a secluded patio, and a luxurious en suite bath offering dual vanities, a soaking tub, a walk-in shower, and a custom walk-in closet. Additional features include a fully paid Tesla Solar System with 24 panels and two Tesla Powerwalls, a three-car garage with extended driveway, tankless water heater, whole-house fan, water softener, smart alarm system, garden shed, and direct access to scenic walking trails. This home blends timeless design, cutting-edge energy efficiency, and luxury amenities to create an unmatched living experience.
Source: CRMLS #OC25065139
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #OC25065139
To qualify, you must meet the current FHA or VA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 620, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.