Quick facts

Mileage: 120,000 (October 2026)
Asking price: $17,499
Trim: T5 Momentum, 7 passenger
Engine: 2.0L turbo 4-cylinder, 250 hp
Transmission: 8-speed automatic
Exterior: Onyx Black Metallic
Interior: Blond, Charcoal dash and carpet
Wheels: Factory 20 in.
Owners: 2
Accidents: None
Keys: 2
Service: Mostly Volvo dealer
Built: May 2020
Location: Western Connecticut
VIN: YV4102CK3L1621726

About this car

A well-kept, two-owner XC90, serviced mostly at Volvo dealers. Fully detailed inside and out with a fresh ceramic coating, no accidents, and ready for its next family.

The original owner leased it new, liked it enough to buy it at the end of the lease, and sold it to me in September 2024. It has been serviced mostly at Volvo dealers and drives the way an XC90 should.

It's the seven-seat Momentum with the optional 20 inch wheels, finished in Onyx Black over a Blond interior, one of the best-looking combinations Volvo offers. The third row has barely been used.

Photos and video are below. If you'd like to see it in person or have a question, call or text and I'll get right back to you.

Ownership history

May 2020Built in Sweden for the US market
2020Leased new by the original owner, serviced at Volvo dealers
End of leasePurchased by the original owner
September 2024Purchased by me, the second owner
September 2026Fully detailed inside and out, 1-year ceramic coating applied
October 2026120,000 miles, available now

Photos

20 photos. Tap any photo to view it full screen and swipe through. Each one opens at full resolution.

Real, unretouched photos. Only the license plate and my phone details are blurred.

Video

A closer look, inside and out.

Exterior walkaround, 31 seconds

Interior, 18 seconds

Second row and cargo, 9 seconds

Highlights and features

Freshly detailed and ceramic coatedFull interior and exterior detail plus a 1-year ceramic coating, both done in September 2026.
Seven seats that workA second row that slides and tilts for easy third-row access, and a third row that has barely been used.
Panoramic glass roofOpens up the whole cabin, front and second row.
Factory 20 inch wheelsThe optional upgrade over the standard 19s, and they fill out the XC90's stance.
Volvo safetyAdaptive cruise control, blind spot information, rear cross traffic alert, lane keeping aid and City Safety automatic braking.
Digital driver display and 9 inch touchscreenWith Apple CarPlay and Android Auto.
Rear-seat climate controlsSeparate left and right temperature controls for second-row passengers.
Backup camera and rear parking sensorsWith cross traffic alert for tight driveways and parking lots.
Everyday conveniencePower tailgate, keyless entry and start, and power front seats with driver memory.
LED headlightsVolvo's signature Thor's Hammer design, with clear lenses.
Two keysBoth included.

Condition

Paint and body

Deep gloss on the Onyx Black paint, protected by a 1-year ceramic coating applied in September 2026. No accidents and no body damage.

Interior

Fully detailed in September 2026. The floors have been protected by fitted all-weather liners and a Volvo cargo mat, the headliner is clean, and the third row looks nearly new.

Mechanical

No known issues and no warning lights. Serviced mostly at Volvo dealers.

Worth knowing

Normal wear for the miles, shown up close so there are no surprises.

Steering wheel leather
The light-colored leather on the steering wheel rim shows wear from daily use.
Driver seat bolster
Some creasing on the outer edge of the driver seat, typical for the miles. No tears.

Maintenance and service

Serviced mostly at Volvo dealers, first by the original owner and then by me. Since I've owned it I've done spark plugs, engine air filter, cabin filter, brakes and tires, and I have the receipts. Ask and I'll send them over.

Vehicle history

Two owners, no accidents or damage reported, no open recalls, and no title brands. Carfax counts three owners because the first owner leased it new and then bought it out at the end of the lease. Connecticut title. There's a small loan with my credit union, which is paid off directly at the sale, so you receive the title free and clear (see how the sale works).

Carfax report: view the full Carfax report.

VIN: YV4102CK3L1621726

Specifications

Model	2020 Volvo XC90 T5 Momentum, 7 passenger
Engine	2.0L turbocharged 4-cylinder, direct injection
Output	250 hp at 5,500 rpm, 258 lb-ft at 1,500 rpm
Transmission	8-speed automatic
EPA fuel economy	21 city, 30 highway, 25 combined mpg
Fuel	Premium recommended, 18.8 gal tank
Seating	7 (2, 3, 2)
Wheels and tires	20 x 9 in. wheels, 275/45R20 tires
Length, wheelbase	194.9 in., 117.5 in.
Cargo	41.8 cu ft behind the second row, 85.7 cu ft maximum
Exterior color	Onyx Black Metallic (paint code 717)
Interior	Blond seats with Charcoal dash and carpet
Built	May 2020
VIN	YV4102CK3L1621726

Manufacturer specifications for this model. Build date, paint code and tire size are from the car's door jamb label.

How the sale works

There's a small loan on the car with my credit union, which is common and easy to handle. Pay whichever way you're most comfortable with. Either way, the loan is paid off and you get a clear title.

Cash or cashier's check

We finish up at my credit union. The teller verifies your payment and pays off my loan on the spot, and the credit union releases the title, which I sign over to you with a bill of sale. We'll agree on pickup timing before we go.

Financing through your bank

Your bank or credit union pays off my loan directly and sends me the difference, the same way it works when you trade in a car with a loan at a dealer. I'll give them the payoff details.

KeySavvy, if you'd like a middleman

KeySavvy verifies both of us, holds your payment, pays off my loan and ships the title to you. It works with lenders, charges each side $99, and your payment is refundable until you pick up the car. It handles payment and title only, not the car's condition.

When you're ready, use my KeySavvy link: keysavvy.com/pay/volvo-pdtxyd

Before you buy

Test drive it and bring it to a mechanic of your choice. You pay Connecticut sales tax and registration when you register the car.

Questions

Is the price negotiable?

The price is fair for the market, especially with no dealer fees. Come see the car and we can talk.

Can I have it inspected before buying?

Absolutely. Pick a shop near me and we'll set a time.

There's a loan on it. Is that a problem?

Not at all. We can finish at my credit union so the loan is paid off on the spot, or your lender or KeySavvy can pay it off directly. Either way, you get a clear title.

Can I pay cash?

Yes. We'll meet at my credit union so the teller can count it and pay off the loan in the same visit.

Can I finance it?

Yes. Your bank or credit union can pay my lender directly, or you can finance through KeySavvy's lending partners.

Can I test drive it?

Of course. Bring your license and I'll ride along.

I'm out of state. Can it be shipped?

Yes. You choose the transport company, and KeySavvy makes the payment and title transfer easy from a distance.

Where can I see it?

In Western Connecticut. Call or text and we'll find a time that works.

Contact the seller

Call or text anytime. I'm happy to answer questions, share more photos, or set up a time for you to see and drive it.

Text the seller Call