Delightful 2 Bedroom, 1 Bathroom WATERFRONT home with enclosed and screened Lanai in the rear of the home which is just under 1400 SF. Located on a quiet street with sidewalks in Port Charlotte yet only minutes to all amenities. NO HOA. ****BRAND NEW ROOF JULY 2023 **** Don't let the age fool you because this home has been nicely remodeled and is move in ready. Tile flooring throughout and newly painted neutral grey wall colors. There is a Living Room, Dining Room, well equipped Kitchen. The Kitchen has white cabinetry, stainless refrigerator, microwave and oven range. The bedrooms are generous sized , one with built in shelves and both have double closets. The bathroom has a tub/shower combo. The home is cooled AND heated by 3 brand new Mini split systems. Your living space extends via sliding glass doors to the LANAI which is almost 1400 SF. This lanai is the largest lanai I have seen in Charlotte County! The Lanai is roofed and enclosed, has wood ceiling with beams, numerous screened openings, a large stone wood burning fireplace, pool table and hot tub. The possibilities with this lanai are endless and sure to fit your needs. Enjoy as is or turn part of this space into another bedroom. Continue through the spacious backyard to the waterfront with 83 foot concrete seawall. Good fishing on this saltwater canal which leads to Charlotte Harbor (only one bridge) and out to the Gulf of Mexico. The CARPORT area has a laundry room as well as a 15x10 storage room. Utilities are public water and sewer. This home is minutes from shopping, dining, medical care, Charlotte Sports Park and Port Charlotte Beach Complex. The Port Charlotte Beach Complex offers a fishing pier, boat ramp, canoe/kayak launch, horseshoe pits, bocce courts, basketball courts, tennis courts, volleyball court, playground area, small shelters with a picnic table, two large pavilions, restrooms, heated swimming pool, and a recreation center. The center offers over 6, 000 square feet of indoor rental space, a large kitchen, and a beautiful outdoor deck overlooking the beach and harbor. This home and location are what the Florida lifestyle is all about!
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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 | $228,000 | $228,000 | $228,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.477% | 7.159% | 6.498% |
Monthly Tax Payment | $333 | $333 | $333 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,517 | $1,515 | $1,955 |
Total Monthly Payment | $1,925 | $1,923 | $2,363 |
* 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.