This home by the bay stood strong through both hurricanes Helene and Milton, with no flooding or damage. Would you like your electric bill to remain at a flat price during the hot Florida summers? This property may provide that with its leased Solar Panels (see attached contract for more info). This beautiful 3 bedroom, 2 bath home is in close proximity to the bay and E. G. Simmons Regional Park in Ruskin, which provides water access. Home is only 3 years old and is very well maintained. Kitchen features an eat in island, stylish backsplash, upgraded faucets, light fixtures, and updated ceiling fans. Home has gutters, ring bell and camaras, water softener, and fully fenced backyard with plenty of entertaining room and a shed that holds lawncare equipment that will stay for the buyer. An elevation certificate is attached and states that flood insurance is not required. Community has beautiful pool, clubhouse, playground, dog park, basketball half court.
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Our Executive Mortgage Banker:
Our Insurance Division:
$310,000
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 | $248,000 | $248,000 | $248,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.563% | 7.159% | 6.276% |
Monthly Tax Payment | $481 | $481 | $481 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,650 | $1,648 | $2,091 |
Total Monthly Payment | $2,206 | $2,204 | $2,647 |
* 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.