THIS HOME HAS HAD ZERO FLOODING DURING HURRICANE IDALIA! Possible assumable VA loan with low rate if Buyer has VA ElIgibility to use. Welcome home to this adorable newly listed home that has a lot to offer! This home is built up on a block foundation, which has kept it high and dry during our recent storms. There are many recent updates, including granite counters and new appliances in the kitchen, electric tankless water heater, a 200 Amp electrical panel and solar panels on the roof which have reduced the electric bill to only $35. per month in the heat of the summer! The solar panels are paid off so there is no longer a lease fee! The bathroom has also been updated with tastefully done tile in the shower and an attractive vanity. The interior central heating and cooling are controlled by a smart "Nest" thermostat, and all of the windows are newer than original. There is lots of natural light flowing into the living spaces, and this brightens up the original oak hardwood floors and helps to showcase the coved ceiling features. The kitchen has a breakfast bar, and just beyond that, there is a large dining room where you can welcome your friends or family. In the rear of the house there is a comfortable porch that has tiled flooring and is completely screened in. The rear yard in enclosed by a vinyl fence with side gate. There are also mature trees and shrubs throughout the yard, and some of these trees even provide seasonal fruit! While this home is sitting high and dry, the lot has many features including a circular driveway and great private parking off street. It's important to note just how close this house is the Shore Acres Recreation Center, and stores like the new Fresh Market, the Islander Market and Publix just down the street. This location is very convenient to Downtown St. Petersburg, a few Public Golf courses, and our Gulf beaches. If you're interested in boating, the Intracoastal Waterway and a Community boat ramp are close by. Don't miss out on this super clean and move in ready home in a very well located neighborhood! Schedule your visit today.
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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 | $382,400 | $382,400 | $382,400 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 5.990% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.470% | 6.161% | 5.248% |
Monthly Tax Payment | $542 | $542 | $542 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,324 | $2,290 | $3,022 |
Total Monthly Payment | $2,941 | $2,907 | $3,639 |
* 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.