An FHA loan is shown as the seller’s current financing at 3112 Luna in San Diego. A buyer who wants to know whether that loan could be taken over should ask before making an offer whether the seller’s loan can be assumed.
The MLS shows one earlier closed sale of 3112 Luna: March 27, 2026, $959,000, below its asking price, after 96 days on the market.
The listing opened on September 23, 2026 with a first asking price of $995,000. The asking price today is $980,000.
The listing describes 3 bedrooms and 1 bathroom, 900 square feet of living space, a lot of 0.12 acres, built in 1954, and public sewer. Every figure comes from the listing and has not been verified.
The listing places it in Bay Park, within the San Diego Unified school district.
Closed sales in San Diego in September 2026 had a median of $667 a square foot. This home is priced at about $1,089, which is above that median. The figure shifts with lot size, condition and location, which makes it a place to begin comparing homes.
What to check
These are general points, not statements about this home’s condition. An inspector and the seller’s disclosures answer them for this property.
- Age of the home. Homes built before 1990 can still have original electrical panels, plumbing, windows and water heaters. An inspector can date each major system so a buyer can plan for what is likely to need replacing.
Questions to ask before you make an offer
Bring these to Zarko before you make an offer. They come from what the listing shows, not from anything known about the seller.
- Can the seller’s loan be assumed, and at what rate?
- Which major systems, such as the electrical panel, plumbing and water heater, have been replaced?
- Which items, such as appliances and fixtures, come with the sale?