One or more photo(s) has been virtually staged. Buyer Incentive of $10, 000 to be used to buy down interest rate or towards Buyer's closing costs!! Discover the charm of this beautiful home in the community of Harmony located in Saint Cloud Florida! This spacious residence boasts four bedrooms, three and a half bathrooms, and a two-car garage, all within a thoughtfully designed open floor plan. Lovely conservation across the street with beautiful privacy and views! Very close walking distance to the Harmony Community School! The kitchen is a chef’s delight, featuring 42" wood cabinets, Silestone countertops, large island, and stainless steel appliances. The Owner’s Suite, conveniently located on the first floor, offers a luxurious en-suite with a garden tub, separate shower, and dual sink vanity. Recent upgrades include a brand new HVAC system (2023), Security System, fresh exterior paint from seven years ago, and new laminate flooring in the Owner’s Suite. The laundry room features a washer & dryer. The second floor boasts a large loft that would be great for family gatherings and entertainment. There is a Jr Suite with a closet and a full bathroom. The other two bedrooms and a full bath on second floor as well. Living in Harmony provides access to a wide range of amenities, including Buck Lake, community-owned boats, a fishing pier, walking trails, dog parks, playgrounds, sports courts, and more. Residents can also enjoy two community pools and the beautiful Harmony Preserve Golf Course. Families will love the top-rated schools in the area, including Harmony Community K-5, Harmony Middle School, and Harmony High School. This property seamlessly blends modern upgrades with the natural beauty and abundant amenities of Harmony, making it the perfect place to call home. Don’t miss this exceptional opportunity—schedule a private showing!
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $308,000 | $308,000 | $308,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 7.125% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.474% | 7.282% | 6.412 |
Monthly Tax Payment | $441 | $441 | $441 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,127 | $2,075 | $2,620 |
Total Monthly Payment | $2,643 | $2,591 | $3,136 |
* 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.