1077 River Otter WAY, Deland, FL, 32720 | $398,700

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***Attention Veterans **VA ASSUMABLE!*** Call your Realtor for all of the great details!



This beautiful Coral model is a must-see! And the location of the lot is terrific! A beautiful two story (built in 2021) home, with an open and bright great room, kitchen, and more, downstairs. The bedrooms, laundry, and a nice open, but cozy, loft are all on the second floor.



The lot is located on the end of the block, and has a large dry retention pond behind it. So, no homes to the right, or to the back of the home!! The back yard is enclosed with a nice white vinyl privacy fence on two sides, and a slatted, lower fence in the rear, to be able to appreciate that great view! The caps of the rear fence also have solar lights – very pretty at night. A nice sized screened lanai – with room for lounging, and/or bringing meals outdoors.



The first floor has beautiful wood look tile, quartz counters, stainless steel appliances, a trash cabinet – to keep that nicely hidden away, yet convenient-extra drawers in the kitchen, and an oversized bar for plenty of room for food prep, projects, or entertaining, as well as for fitting 4 bar stools across there comfortably. The spacious dinette is another area to relax with morning coffee, or dinner - all while enjoying the outside view. There is a ½ bath downstairs – nicely located off the main area. The large family room space is close enough to be part of the family activities, but also off to the side a bit, to be a cozy spot for catching up on your favorite TV shows. Such great window placement, and triple sliders, all which can let in so much natural light. Below the stairs is a surprising amount of storage space – or a really fun play fort!



Upstairs – the laundry room is between the bedrooms – very convenient, as most of the laundry is stored in the bedrooms/bathrooms. The loft is a nice bonus – a great place to set up for so many possibilities – game area, play area, home school area, office, and more.



The three car garage is always a plus – even if you only have one car – the extra space is always appreciated! A couple of nice surprises with this garage are the rear door – opens to the back yard – much easier for doing yard work, and the built in upper cabinets – again – more storage!



This home also has a whole house water softener, and an under the (kitchen)sink R/O system. The low HOA covers the playground, common areas, and reclaimed water for lawn irrigation – that’s a savings for sure!



And one of the best things about this home?! That solar panels have already been installed, with assumable payments– making the monthly energy bill very affordable!



This is such a beautiful home, with so many great features – you’ll want to call your Realtor to make an appointment to see it soon!

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room, Upper Level
  • Year Built: 2021
  • Garage: 3-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,948
  • Acreage: 0.16
  • Est. Taxes: $5,508
  • HOA Fee: $300 Quarterly
  • View: Trees/Woods
  • Elem. School: Citrus Grove Elementary
  • Middle School: Southwestern Middle
  • High School: Deland High
  • Pet Policy: Cats OK, Dogs OK, Number Limit
  • Appliances: Dishwasher, Disposal, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Water Softener
  • MLS#: O6221107
  • Days on Market: 89 days
  • Website: https://www.raveis.com
    /prop/O6221107/1077riverotterway_deland_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 11/22/2024 9:17:07 AM)
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO   Phone: 407-622-2122

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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1077 River Otter WAY, Deland, FL, 32720

$398,700

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

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $318,960 $318,960 $318,960
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 7.477% 7.159% 6.296%
Monthly Tax Payment $459 $459 $459
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,122 $2,120 $2,690
Total Monthly Payment $2,656 $2,654 $3,224

* 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.