828 Waterloo Ave, El Cajon, California 92019, El Cajon, - bed, bath

home-pic
ACTIVE$875,000
828 Waterloo Ave, El Cajon, California 92019
3Beds
2Baths
1,634Sqft
6,100Lot
Year Built
1978
Close
-
List price
$875K
Original List price
$875K
Price/Sqft
-
HOA
-
Days on market
-
Sold On
-
MLS number
250039865SD
Home ConditionGood
Features
Patio
ViewNone

About this home

Incredible chance to assume a 2.75% VA loan for qualified buyers — a rare opportunity that makes this home stand out. Add fully paid-off solar for lasting energy savings, recent upgrades, and a location in the sought-after Granite Hills community, and you've got a property that buyers chase but seldom find. Step inside and immediately feel the pride of ownership. Gleaming hardwood floors guide you into a spacious family room with a fireplace, perfect for cozy nights in or lively gatherings. The remodeled kitchen with granite counters and stainless steel appliances invites both everyday meals and holiday hosting. Light-filled spaces and tasteful finishes make every room a place you’ll love spending time. Out back, a private yard offers room to relax, garden, or host weekend barbecues with friends. Imagine morning coffee in your own outdoor retreat or watching kids and pets play freely in a space you control. A detached garage with space for RV parking expands your possibilities even further. Granite Hills offers it all — quiet residential charm, neighborhood pride, quality schools, local parks, nearby hiking trails, and easy access to shopping, dining, freeways, and transit. This home is move-in ready, energy-efficient, and paired with a financing opportunity that almost never comes around. Don't wait — see it before it's gone.

Nearby schools

3/10
Meridian Elementary School
Public,K-50.4mi
4/10
Montgomery Middle School
Public,6-80.8mi
8/10
Valhalla High School
Public,9-121.6mi
3/10
Idea Center
Public,9-124.0mi

Price History

Date
Event
Price
09/25/25
Listing
$875,000
Neighborhood Comparison

 SubjectAverage HomeNeighbourhood Ranking (127 Listings)
Beds33
50%
Baths23
49%
Square foot1,6341,761
44%
Lot Size6,1009,760
19%
Price$875K$913K
45%
Price per square foot$535$524
56%
Built year19789875988
55%
HOA
Days on market41158
2%
Condition Rating
Good

Built in 1978, this property has undergone significant 'recent upgrades' and features a 'remodeled kitchen' with modern white shaker cabinets, granite countertops, stainless steel appliances, and a subway tile backsplash, indicating a renovation likely within the last 5-15 years. The hardwood floors throughout the main living areas and bedrooms are in excellent condition. The addition of fully paid-off solar panels further enhances its appeal and energy efficiency. While move-in ready and well-maintained with key updates, it does not appear to have undergone a full, top-to-bottom renovation that would classify all components as 'virtually new,' aligning it with the 'Good' category rather than 'Excellent'.
Pros & Cons

Pros

Assumable VA Loan: A rare and highly attractive opportunity to assume a 2.75% VA loan for qualified buyers, offering significant financial savings in the current market.
Energy Efficiency & Savings: Features fully paid-off solar panels, providing lasting energy savings and reducing utility costs for the homeowner.
Key Interior Upgrades: Boasts a remodeled kitchen with granite counters and stainless steel appliances, along with gleaming hardwood floors, enhancing modern appeal and functionality.
Desirable Community Location: Situated in the sought-after Granite Hills community, known for its quiet charm, quality schools, local parks, hiking trails, and convenient access to amenities and freeways.
Versatile Outdoor & Utility Space: Includes a private yard for relaxation and entertaining, complemented by a detached garage offering additional storage and valuable RV parking.

Cons

Property Age: Built in 1978, the property's underlying structure is older, which may imply potential for future maintenance needs beyond the recent cosmetic upgrades.
Lack of Central Air Conditioning Mention: The description does not specify the presence of central air conditioning, which could be a significant comfort drawback for buyers in El Cajon's climate.
Absence of Scenic Views: The property explicitly states 'None' for views, indicating a lack of notable scenic or panoramic outlooks, which can be a preference for some buyers.

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