This charming 2020 home in The Pines at Citrus Springs is a delightful blend of modern amenities and cozy features, offering the best of both worlds. Nestled in a growing community of brand-new homes, this property stands out with its unique character and established feel. The vibrant Florida gem is surrounded by mature landscaping and colorful gardens. This turnkey home highlights a vaulted ceiling with an open floor plan and adds an airy and expansive feel to the living area, while the large kitchen island and breakfast bar with stainless steel appliances make the kitchen a focal point for cooking and entertaining. The primary suite's private bathroom and large walk-in closet provide a luxurious retreat, and the split bedroom design ensures additional privacy for the other three bedrooms, which share a second bathroom. Ceiling fans and blinds in all rooms are thoughtful touches for comfort and convenience. New LVP flooring was installed throughout the entire home in May 2022. The owners also installed a privacy fence, screened porch on the back of the home, and sliding screen doors on the two-car garage. These are specialty items you don't get with a new build. It is clear to see while walking around the home that the owner took great pride in ownership. Citrus County, famously known as The Nature Coast, is a haven for nature lovers and outdoor enthusiasts. This area is celebrated for its pristine coastlines, protected estuaries, and rich natural habitats. The county is home to four beautiful springs, which play a crucial role in preserving the local environment. These springs contribute to creating a unique and protected ecosystem, making Citrus County the "Manatee Capital of the World. " The warm, clear waters of the springs serve as a sanctuary for manatees, especially during the colder months when they seek refuge in the consistent temperatures. This protected environment not only supports the thriving manatee population but also offers residents and visitors a chance to experience the beauty and tranquility of Florida's natural wonders. If you are a hiking or cycling enthusiast, there are miles and miles of bike trails including the Withlacoochee trail nearby. You are also close to Rainbow River State Park where you will be enjoying swimming, kayaking and tubing. You won’t be disappointed—call and book your appointment 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 | $215,200 | $215,200 | $215,200 |
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 | $102 | $102 | $102 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,432 | $1,430 | $1,845 |
Total Monthly Payment | $1,609 | $1,607 | $2,022 |
* 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.