**OFFERS WELCOME** NON-FLOOD ZONE and sustained no damage from the storms. This is an exceptional POOL home in desirable Gated Chattam Landings in Ridgemoor. The scenic drive in to Ridgemoor with the natural beauty of conservation lots and lakes will serve to relax you after a long day and maybe you’ll see a wild Turkey or deer roaming around. This lovely home offers the perfect blend of style and convenience. Upon entering you’ll be struck by the airy feel coming from the vaulted ceilings, open floorplan and the VIEW! Right out the back slider is an expansive view of first the pool then out to the pond to bring the outside in. Wood composite floors throughout the living area make for easy maintenance. The roomy kitchen boasts stainless-steel appliances, ample storage, granite countertops accented by a chic backsplash and is open to the living area with a sweet breakfast bar. For convenience the indoor laundry and sink is right next to the kitchen. The dining room is adjacent to the kitchen for ease of entertaining and flows into the living room for everyday living comfort. The living room is spacious with a cozy wood-burning Fireplace made contemporary with newer stacked stone and tile. This desirable split floorplan is ideal for privacy with one room next to the dining area that leads out to a brick courtyard, ideal for an office, and the two spacious guest bedrooms down the hall that share a full bath. The primary bedroom is on the other side of the home and will be your refuge with its vaulted ceilings, walk in closet, slider to access and window view of the pool and the ensuite bath. The bathroom remodeled is 2 years new and features dual vanity bowl sinks that sit atop sparkling quartz, chic Deco Porcelain tile floors, and a stunning tile ensemble in the oversized shower. There is a handy access door from the bathroom to the pool. Step outside to discover your own personal paradise that melds the great outdoors with your entertaining oasis and all while staying protected by the screened lanai. You’ll find a covered patio area complete with a ‘dining bar’ with cabinets, a seating area, a large and sparkling SALTWATER pool surrounded by painted and coated concrete. You’ll enjoy hours in this space soaking in the nature, wildlife and bevy of birds that are sure to show up! Home was painted inside (2023) and exterior (5/24), Roof (2016), HVAC (2018), Water Heater (2022), Water Softener (2016). The Ridgemoor Community offers Tennis, Basketball, and a jungle gym. HOA includes yard maintenance, Internet and Cable. Nearby is Palm Harbor with its many shopping and both casual and upscale dining options and vibrant downtown center. 20 minutes away is Delightful Dunedin with it’s eclectic blend of shopping, dining and entertainment. Just a short drive to award-winning beaches at Honeymoon Island and catch a ferry to Caladesi Island. Tampa International and Clearwater Airport are close for convenience. Don’t miss this distinct home in the special Ridgemoor community!
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William Raveis Mortgage, LLC
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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 | $423,920 | $423,920 | $423,920 |
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 | $311 | $311 | $311 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,820 | $2,818 | $3,635 |
Total Monthly Payment | $3,222 | $3,220 | $4,037 |
* 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.