5100 E RANCHO PALOMA Drive 2072

**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.