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909 W 21st St, Merced, CA 95340

2 beds · 1 baths · 1,025 sqft

Concierge

Get a free consultation call with an expert in the mortgage assumption process.

Charming bungalow craftsman home brimming with character, located in the heart of Merced at 909 W 21st Street. Built in 1920, this delightful residence offers a unique blend of vintage charm and modern convenience. Experience the timeless appeal of classic craftsman architecture, featuring distinctive details and a warm, inviting ambiance. Enjoy the convenience of prime location and being within walking distance of downtown Merced, with its shops, restaurants, and entertainment options. Stay comfortable year-round with the newly installed mini-split HVAC system, providing efficient heating and cooling as well as water softener and Osmosis water system. Gather around the fireplace on chilly evenings, creating a warm and inviting atmosphere. Expansive huge lot offers endless possibilities, including the potential to build an Accessory Dwelling Unit (ADU) with a private entrance, providing additional living space or rental income potential. This home exudes character and offers a unique living experience. While this home is cute and full of charm, it presents a fantastic opportunity for those with a vision to add their personal touch and TLC, making it truly their own. 909 W 21st Street presents a rare opportunity to own a piece of Merced's history. Don't miss out on this opportunity! Schedule a showing today to experience the charm and potential of 909 W 21st Street.

Location
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Home details
Size
1,025 sqft
Lot size
0.1722 acres
Year built
1920
Type
Single Family Residence
HOA dues
$0.00

Source: CRMLS #MC25038242

Resources
Frequently asked questions

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.

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Last updated: May 17, 2025 11:27 am
Listing agent: Hector Garcia
Listing provided courtesy of: BLVD Real Estate (925) 280-8562
Details provided by CRMLS and may not match the public record.
MLS ID: #MC25038242
Based on information from California Regional Multiple Listing Service, Inc. as of May 17 2025 - 16:55 and/or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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