28046 Serra Lane
Valencia, CA, 91355
$669,000
MLS: 226000971
Beds
2
Baths
2
Sq Ft
1,315
Lot
4.82 ac
Year Built
2004
MLS #
226000971
Days on Market
37
Listed
Mar 17, 2026
Description
Assumable loan at 3.55%. Beautifully upgraded two-bedroom condo with attached two-car garage, ideally positioned at the end of the complex for added privacy.This home has been thoughtfully renovated throughout. Brand-new luxury vinyl plank flooring and fresh interior paint create a clean, modern feel from the moment you enter. The open-concept great room features a spacious living area with fireplace, flowing effortlessly into the dining space with direct access to a large outdoor patio -- ideal for entertaining or relaxing outdoors.The remodeled kitchen is a standout, featuring quartz countertops, a new sink and faucet, updated appliances (2022), new dishwasher and garbage disposal, freshly painted cabinetry, recessed lighting, abundant storage, and a separate pantry. A breakfast bar provides additional seating and casual dining space.The primary suite offers a comfortable sitting area, a custom-designed closet system, and a beautifully remodeled en-suite bath with Italian tile, a herringbone-pattern floor, and a stunning upgraded shower. The secondary bedroom is generously sized with ample closet space and access to an oversized balcony. The second bathroom also features newly remodeled shower tile.Additional upgrades include: AC unit replaced in 2024 with recent annual HVAC maintenance completed Washer and dryer replaced in 2022 New stairway trim and finishing details Plantation shutters throughout New ceiling fans Resideo smart thermostat systemThe attached two-car garage offers direct access, a ceiling-mounted storage system, and a brand-new garage door (2025).Enjoy all the amenities of the desirable Alta Vista community, including a swimming pool, park, and picnic areas -- all conveniently located near freeway access, award-winning schools, shopping, and dining.
Location
Valencia, Los Angeles County, CA 91355
Open on Google Maps ↗Listed by: Daniel Murphy · RE/MAX ONE
Payment estimate
$4,947
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $66,900 · Loan: $602,100
- Principal & Interest
- $3,699
- Property tax (1.25%)
- $697
- Homeowners insurance
- $300
- Mortgage insurance
- $251
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Valencia home with as little as 3.5% down using an FHA loan — roughly $23,415 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
Assumable Loan — Lock In a Below-Market Rate＋
This Valencia property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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