Under contract-accepting backup offers. Under appraisal value and assumable FHA loan is eligible for qualified buyers at the interest rate of 3. 75%! Don't miss out this great opportunity to take over a true maintenance free home with the low interest rate! True beach-side charmer! This 2/2 move-in ready beachside ranch only steps away to the beach has been well maintained by proud owners for almost 9 years! Pristine condition. The owners truly pour their heart into this property. Rinsing the sand off from your morning walk on the beach at the outdoor surfboard shower, when you enter the home, you are welcomed by the thoughtful sand room, which naturally leads you into the open living area with an abundance of natural light energizing each new day. Low maintenance but charming original hardwood floor flows through the whole house.
Imagine having your loved ones over sitting close to the cozy fireplace, fully updated kitchen features new wood cabinetry with very generous storage space and beautiful quartz countertop, rare to see gas range and stainless appliances with French door refrigerator. Retreat to the primary suite with a spa-worthy bathroom with Jacuzzi tub, double vanities and spacious rain shower with a built-in corner shelf and insert, which were tastefully updated in 2020. Another bedroom also has its own full bathroom which will perfectly satisfy your guests' overnight stay. Stepping outside onto your wood deck, it is the best to sit on the chair and grab your favorite drinks without any worries to watch your babies and fur babies running around in this decent size fenced backyard. The outdoor storage room also offers the homeowners additional space for tools, beach essential etc. Did I mention this home also has an oversized one car garage and in house laundry room with conveyance of brand new 2023 Samsung washer and dryer? This house has so much to offer. It includes but not limited to a roof in 2021, AC in 2021, upgraded PVC sewer and waterline under the house in 2020, hot water heater in 2022, remodeled primary bedroom and bathroom in 2020, updated kitchen in 2019 with new dishwasher and refrigerator both in 2019, gas range and microwave both in 2022 and the list goes on and on (See full upgrade list). House has been checked on termite annually staying free and clear. Claim your ownership today before it is taken! This is a true beauty! All information recorded in the MLS is intended to be accurate but cannot be guaranteed.
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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 | $295,920 | $295,920 | $295,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.125% | 5.375% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.490% | 6.297% | 5.597% |
Monthly Tax Payment | $162 | $162 | $162 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,870 | $1,798 | $2,398 |
Total Monthly Payment | $2,107 | $2,035 | $2,635 |
* 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.