This home was impacted by Hurricane Helene and has not previously flooded. Interior photos are prior to flooding. Seller has remediated. This is the perfect opportunity to build or renovate to make it your dream home. Seller is motivated! Historic DOUBLE LOT HOME! This charming property is one of the original Shore Acres homes, built by the founding Upham Family in 1928. Standing tall for 96 years (without FLOODING), it holds a pivotal place in St. Pete's history. Situated on 0. 34 acres of a fully fenced yard, this recently restored 2, 181 Sqft, 4-bedroom, 3-bathroom home features numerous updates, including foundation repairs, new electrical systems, restored and freshly painted walls, new kitchen flooring, all-new Café appliances, a beautifully wallpapered dining room, and year-round exterior lighting controlled by your phone. The outdoor space has been enhanced with newly laid sod and the yard was elevated and sloped toward the street to reduce flooding the yard, a new pergola, pavers, an entertaining area, and a state-of-the-art security system with cameras and door detection. This home remained flood-free during the hurricanes and the December 2023 flood. Its elevated design, with a crawl space of over 3 feet, effectively protects this historic property. The first floor features a living room with a wood-burning fireplace, a formal dining room, a study/den, a large kitchen, a half bath, and a laundry area. Original hardwood floors flow throughout. Upstairs, there are 4 bedrooms, including a primary bedroom with an en-suite bathroom, a large walk-in closet, and a sitting area. A walk-up attic offers additional storage or bonus space. Outside, enjoy a spacious backyard featuring a beautiful entertaining and cooking area equipped with TV, speaker, and grill hookups, perfect for Florida summer nights. The second lot can be legally separated for the new buyer's convenience and opportunity. Don't miss out on owning a piece of St. Pete history.
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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 | $512,000 | $512,000 | $512,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
Monthly Tax Payment | $1,025 | $1,025 | $1,025 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,406 | $3,363 | $4,318 |
Total Monthly Payment | $4,523 | $4,480 | $5,435 |
* 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.