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**RARE FINANCING ADVANTAGE: Lock in 5.625% & Skip the Heavy Interest Years!** Why start a brand-new 30-year clock at today's 6.5%+ market rates? This turnkey luxury home features a **PennyMac VA Assumable Loan locked at a fixed 5.625% with under 27 years remaining (fully open to both civilian and military buyers).** Because the sellers have already cleared the front-loaded interest of the initial years, a significantly higher percentage of your very first payment goes directly toward building your personal equity. With an incredibly accessible cash-down equity gap of approx. *$40,000*, you can step into a locked note that instantly saves you over *$350+ every single month* compared to financing this same balance from scratch today--putting you years closer to financial freedom. Turnkey Luxury | Fully Furnished | Ready for Immediate Move-In Welcome to Rancho North, where clean contemporary design meets effortless desert living in Cave Creek. Impeccably upgraded and offered *fully furnished*, this rare 2-bedroom, 2-bath end-unit townhouse is truly move-in ready--just bring your suitcase. Positioned as a desirable second-floor corner unit, it delivers enhanced privacy, pristine natural light, and an open-concept split floor plan featuring 9+ ft ceilings and premium finishes throughout. The gourmet kitchen is an entertainer's dream, complete with a massive quartz island, breakfast bar, designer tile backsplash, gas cooktop, and upgraded cabinetry. Suited perfectly for remote work or a seamless seasonal relocation, the home is equipped with smart home features, an energy-efficient HVAC system, and high-speed connectivity. Premium Features: *Fully Furnished:Thoughtfully curated, high-end contemporary furnishings included. *Parking & Utilities:Private, attached EV-ready garage + additional parking, plus a whole-home water softener. *True Lock-and-Leave:Gated community where the HOA fully covers exterior maintenance, roof replacement, landscaping, water, sewer, and trash for a fixed $339/month. *Resort Amenities:Exclusive access to the community pool, spa, fitness center, and fireside lounge. Prime Cave Creek Location: Ideally located just minutes from the booming North Phoenix tech corridor (including the TSMC facility). Enjoy immediate access to world-class golf, scenic desert hiking trails, upscale dining, and the renowned, laid-back Cave Creek lifestyle. Perfect for full-time living, seasonal residents, or professionals seeking a premium, low-maintenance home with an unbeatable, permanent monthly payment advantage over everything else on the market.
Property Type(s):
Condo/Townhouse/Co-Op
| Last Updated | 4/22/2026 | Tract | RANCHO NORTH CONDOS |
|---|---|---|---|
| Year Built | 2021 | Community | RANCHO NORTH CONDOS |
| Garage Spaces | 1.0 | County | Maricopa |
SCHOOLS
| Elementary School | Black Mountain Elementary School |
|---|---|
| Jr. High School | Sonoran Trails Middle School |
| High School | Cactus Shadows High School |
Additional Details
| AIR | Central Air, ENERGY STAR Qualified Equipment |
|---|---|
| AIR CONDITIONING | Yes |
| AMENITIES | Fitness Center, Gated, Pool, Sidewalks |
| APPLIANCES | Dishwasher, Disposal, Dryer, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Washer, Gas Oven, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned |
| CONSTRUCTION | Ducts Professionally Air-Sealed, Frame, Stone, Stucco |
| EXTERIOR | Balcony |
| GARAGE | 1 Space(s), Detached, Electric Vehicle Charging Station(s), Garage Door Opener, Yes |
| HEAT | Electric |
| HOA DUES | 339|Monthly |
| INTERIOR | Breakfast Bar, Double Vanity, Eat-in Kitchen, High Ceilings, High Speed Internet, Kitchen Island, Pantry, Smart Home |
| LOT | 1307 sq ft |
| LOT DESCRIPTION | Corner Lot, Desert Back, Desert Front |
| PARKING | Garage Door Opener, Shared Driveway, Electric Vehicle Charging Station(s), Detached |
| SEWER | Public Sewer |
| STORIES | 1 |
| STYLE | Contemporary |
| SUBDIVISION | RANCHO NORTH CONDOS |
| TAXES | 1320 |
| UTILITIES | Cable Available |
| VIEW | Yes |
| VIEW DESCRIPTION | Mountain(s) |
| WATER | Public |
Location
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Listed with Compass
The ARMLS logo indicates a property listed by a real estate brokerage other than Keller Williams.
All information should be verified by the recipient and none is guaranteed as accurate by ARMLS.
Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.
Data last updated 9/6/26 3:33 AM PDT.
All information should be verified by the recipient and none is guaranteed as accurate by ARMLS.
Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.
Data last updated 9/6/26 3:33 AM PDT.
This IDX solution is (c) Diverse Solutions 2026.
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