This home Did NOT Flood in Helene or Milton!. . . Step into Old Florida charm with this beautifully restored 2-bedroom, 1-bathroom cottage, ideally situated just under a mile from the public boat ramp leading to the Homosassa River and the Gulf beyond. This delightful home seamlessly blends classic character with modern updates for comfortable living. The inviting front porch designed by a local architect offers outdoor living and quintessential Florida charm. The home has been thoughtfully elevated 6 feet with a concrete pillar sub-base, ensuring both peace of mind and longevity. Inside, you'll find fresh updates throughout, including new laminate flooring, a newly painted interior and exterior, and custom kitchen features. The kitchen boasts granite countertops, stylish custom cabinets, and a charming farmhouse sink. The fully remodeled bath showcases contemporary finishes and functionality. Recent improvements include a new roof, updated electrical and plumbing systems, and new appliances, all completed in 2019. The home also benefits from a new HVAC system installed in 2022. The property’s exterior features a new concrete horseshoe driveway with elegant brick inlay, and a 2021 custom 8 x 20 shipping container with AC, set on a 10 x 22 concrete slab, offering versatile storage or workspace options. The ongoing landscaping enhancements add to the home's appeal, creating a picturesque and welcoming environment. Embrace the unique blend of historical charm and modern convenience in this exceptional Florida cottage, ready to provide you the best of both comfort and location.
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Our Executive Mortgage Banker:
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$289,000
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 | $231,200 | $231,200 | $231,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.456% | 7.171% | 6.276% |
Monthly Tax Payment | $97 | $97 | $97 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,558 | $1,537 | $1,950 |
Total Monthly Payment | $1,730 | $1,709 | $2,122 |
* 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.