Don’t miss this charming beach condo with a single story entrance. It can be used as a primary home, with a mother daughter suite that has a separate entrance, or two Airbnb units. Units 9E and 9W. Each unit has a full kitchen, living, bedroom, and full bath. The primary residence has a large open floor plan with two bedrooms—one accommodating a king-size bed, the other with two queen-size beds. There is a new leather pull out couch with an extra thick mattress pad that allows for two additional persons to spend the night. All appliances in both units are stainless steel and were put in new less than 2 years old. There is ceramic tile flooring with a blue swirl throughout both units. The second unit is a one-bedroom unit with a queen bed and loveseat in the living/bedroom area, full kitchen, and bathroom. Separated by a hotel-like door but can be combined with the primary unit. The flexible layouts Can be used as a single primary home or divided into two separate units with their own entrances. They are separated by a hotel-like door between them to extend the primary unit if desired, or keep them separate. Each unit has its own external door access. The units are set up for a turnkey operation if you want to rent it out for short term stays. Primary unit sleeps (8), secondary sleeps (2). The home is located in the middle of the Spinnaker Bay condo complex. The condo complex has a covered day-dock for fishing, boating or simply reading a good book. Pets allowed with no restrictions from the Condo Association. The primary beach access is located 1. 5 miles down the road. There are many local restaurants to choose from and water activities such as parasailing, boat rentals, dinner cruises and more. The beach is directly across the street and the bay inlet is behind the unit. The 2 bedroom is listed on AirBNB and has many good reviews.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $623,920 | $623,920 | $623,920 |
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 | $584 | $584 | $584 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,151 | $4,147 | $5,350 |
Total Monthly Payment | $4,827 | $4,823 | $6,026 |
* 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.