One or more photo(s) has been virtually staged. ASSUMABLE MORTGAGE AVAILABLE WITH 4. 625% INTEREST RATE. Welcome to Spencer Creek! This 4-bedroom, 2-bathroom single-family home on a Cul-de-sac is the epitome of an open concept layout, perfect for modern living. Inside, discover white shaker cabinets, granite countertops, and stainless steel appliances in the kitchen. Retreat to the primary bedroom with its massive walk-in closet, offering plenty of storage. With a split floor plan, this home offers both privacy and functionality. What is the BEST highlight?! A HUGE backyard with a 20’x17’ screened-in lanai with an extra 5’ x 17’ slab outside the screen, which is perfect for grilling (This covered lanai is NOT a standard feature and is not found in other homes in the community). Custom built-in bar with electric is perfect for outdoor dining and entertaining. Imagine adding your own private pool—the backyard still has plenty of room to spare. The vinyl privacy fence is perfect for giving your family or pets a safe place to play. Plus, all patio furniture conveys with the home—making it move-in ready for your enjoyment! Epoxy garage floor give the garage and upgraded look. There is an indoor laundry room and the washer and dryer convey with the property. Enjoy access to family-friendly amenities at the clubhouse, including a pool, basketball courts, and playground.
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Our Executive Mortgage Banker:
Our Insurance Division:
$365,000
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 | $292,000 | $292,000 | $292,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.512% | 6.273% | 5.248% |
Monthly Tax Payment | $645 | $645 | $645 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,822 | $1,774 | $2,308 |
Total Monthly Payment | $2,542 | $2,494 | $3,028 |
* 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.