Delightful 2 Bedroom, 2 Bathroom home with attached 14x18 1 Car Garage located in the community of RIDGE HARBOR in Punta Gorda. Thislight and bright home offers an open floor plan with Foyer, Great Room, well equipped Kitchen, Inside Laundry, screened Porch. The Great Roomfeatures high ceilings, recessed lighting, ceiling fan, shelving for books and knick knacks, room for a dining area and sliding glass doors to thespacious 26x8 screened Lanai. The Kitchen features white cabinetry, stunning granite counters, French door refrigerator, stainless double doorrefrigerator, build in microwave, oven/range, dishwasher, dining space, double sink and island with breakfast bar for two and additional storagespace. There is an Inside Laundry with washer and dryer. The spacious Master Bedroom suite offers a huge walk in closet and private bathroomwith his and hers sinks, white wood cabinetry, granite counters and walk in shower. There is an additional generous sized bedroom and the guestbathroom has a tub/shower combination, white cabinetry and granite counters. The private backyard has an above ground pool, 10x10 paverpatio for summer barbeques. Other features include: hurricane shutters, impact windows, hurricane garage door, wood plank laminate flooringthroughout, tropical landscaping, koi pond, fruit trees (bananas, orange, mango, papaya). RIDGE HARBOR is a community with a voluntaryassociation. Membership dues are nominal: $35/ year per family, $25 for a single household. Marina key is a $10 fee. There is a clubhouse andnumerous events throughout the year : holiday socials, annual neighborhood BBQ, potluck dinners, weekly bingo, access to Ridge HarborMarina. The marina is located off US 17 by the middle bridge of Shell Creek. There is a dock and a launch and plenty of room for picnics andfishing from the shoreline. You must be an association member for access. Ridge Harbor is 12 minutes to historic downtown Punta Gordashopping, dining, medical care, waterfront parks, boat ramps, fishing piers, walking and biking paths, art galleries, Fishermen's Village, CharlotteHarbor Event Center, access to I-75, events and more. This home is perfect for entertaining and can be a winter retreat or year round home.
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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 | $271,200 | $271,200 | $271,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.159% | 6.276% |
Monthly Tax Payment | $231 | $231 | $231 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,804 | $1,802 | $2,287 |
Total Monthly Payment | $2,110 | $2,108 | $2,593 |
* 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.