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3945 Lake Joyce DRIVE, Land O Lakes, FL, 34639 | $400,000
3 Bedroom 2 bathroom Updated Country Dream Home nestled onto over 1/4 acre lot in the heart of the wonderful “Boating” and “Equestrian” Community of “Lake Padgett Estates” Welcome to your charming home with a long driveway, 2 car attached garage, large front lawn, mature trees and a covered screened porch in the rear overlooking your huge backyard. The beautiful kitchen features granite countertops, updated cabinets, a copper sink, a window overlooking the views of your backyard and an eat in kitchen that bridges into a spacious living room. Enjoy your huge family room with a wood burning fireplace and 4 panel slider doors that lead to the large screen room. The master bedroom includes and updated en-suite bathroom. Gorgeous tile floors in the main and wet areas and engineered hardwood floors in the bedrooms. Newer impact resistant windows and more. Lake Padgett Estates is a unique boating and equestrian community in which residents have deeded access to 3 ski lakes, 1 fishing lake, a community horse stable facility, parks, playgrounds and sports courts. Amazingly, there are no HOA or CDD fees. Golf Carts and Horses are allowed. Land O’ Lakes is a wonderful community with excellent recreation opportunities and excellent schools. Lake Padgett Estates has community parks and lakes access is governed by Lake Padgett Estates Independent Special District. Information can be found at www. lakepadgettisd. org and www. lpeca. org
Features
- Rooms: 10
- Bedrooms: 3
- Baths: 2 full
- Laundry: Inside, Laundry Room
- Year Built: 1975
- Garage: 2-car Driveway, Garage Door Opener, Ground Level
- Heating: Central, Electric
- Cooling: Central Air
- Approx Sq. Feet: 2,023
- Acreage: 0.29
- Est. Taxes: $6,038
- Elem. School: Lake Myrtle Elementary-PO
- Middle School: Charles S. Rushe Middle-PO
- High School: Sunlake High School-PO
- Appliances: Dishwasher, Electric Water Heater, Range, Refrigerator
- MLS#: O6192651
- Days on Market: 208 days
- Website: https://www.raveis.com
/prop/O6192651/3945lakejoycedrive_landolakes_fl?source=qrflyer
Listing courtesy of ENTERA REALTY LLC Phone: 888-216-6364
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
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To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
3945 Lake Joyce DRIVE, Land O Lakes, FL, 34639
$400,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $320,000 | $320,000 | $320,000 |
| 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 | $503 | $503 | $503 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,129 | $2,127 | $2,744 |
| Total Monthly Payment | $2,707 | $2,705 | $3,322 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388