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Well maintained and move-in ready! Nothing to do here but enjoy! This 2 bed/2 bath 1998 custom home with almost 900 sq. ft of living space has been impeccably maintained and has many upgrades. No flooding! The features include 2024 HVAC system with all ductwork replaced, 2024 vapor barrier to protect the subflooring, 2024 electrical pedestal and meter to ensure excellent service, 2024 easy-care epoxy coating on porch, 2025 tie-down replacement, 2016 tip-out double-paned windows, 2016 laminate flooring in living areas and tile in baths with 2025 luxury vinyl waterproof flooring in kitchen, 2025 dishwasher, 2017 stove and refrigerator, 2019 microwave, washer and dryer and 2019 water heater. 2024 Google Nest thermostat. Ring doorbell conveys. 2012 composition shingle roof. Comes furnished with exception of king bed in primary and personal items. Large shed for storage. Sits along parameter fence for extra privacy. Price includes share for the lot and ownership in the co-op. Low monthly maintenance fee of $380 includes water/sewer/trash pick-up/lawn mowing/24 hr manned gate/private streets and all amenities including clubhouse, heated pool, fitness center, billiards, two boat ramps, kayak launch and more than 30 clubs and activities. Home is located in popular 55+ community located only minutes from 4th St restaurants, grocery and medical, 10 mins to downtown St Petersburg and 15 mins to two airports. Home would make a great full-time residence, winter retreat or investment property as renting is allowed. 3 year flood insurance policy that is transferrable conveys with purchase.
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Our Executive Mortgage Banker:
Our Insurance Division:
$185,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $148,000 | $148,000 | $148,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.625% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.109% | 7.166% | 6.268% |
Monthly Tax Payment | $177 | $177 | $177 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $948 | $984 | $1,248 |
Total Monthly Payment | $1,200 | $1,236 | $1,500 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.