Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Hey there! So, you’ve found yourself here, staring at this charming little piece of waterfront heaven. Now, whether you’re the kind of person who likes to roll up their sleeves and turn a fixer-upper into the home of your dreams or you're ready to channel your inner architect and start fresh, this spot in the Surfside neighborhood of Redington Shores has you covered. Let’s break it down, and you can see where you fit into this story. **OPTION 1: THE HANDY DREAMER** If you’re the type who sees this house and thinks, “Give me some tools, a Saturday afternoon, and a cold drink, and I’ll make it shine, ” then we’re talking the same language. Sure, it’s not polished to perfection yet, but this WATERFRONT 2BR/2BA beauty has great bones and a PRIME LOCATION. The floor plan’s already opened up, NEW WATER HEATER installed in 2022, the kitchen’s sporting granite counters & updated appliances, and there’s a DOCK out back that’ll have you dreaming of weekends spent fishing or just cruising on the water. But wait, there’s more — NEW SEAWALL! We’re talking long-term peace of mind here. Seawalls can last 50 years, and that’s 50 years of protecting your investment. Plus, all the DOCK PILINGS have been inspected—and most of them wrapped—so they’re ready and waiting for a brand-new deck. **OPTION 2: THE VISIONARY BUILDER** Imagine this: You tear down this cozy 1, 260 sq. ft. , 2-bedroom, 2-bath, and in its place rises your very own brand-new, FEMA-compliant, elevated home with two living levels above the garage. I’m talking at least three bedrooms, two baths, and plenty of space for the essentials — you know, like your cars, a golf cart for quick beach jaunts, and maybe even a paddleboard or kayak. The water views? Still fabulous. The dock? Just waiting for you to pull up with the boat after a morning of cruising the Intracoastal. It’s like the property is handing you the keys and saying, “Let’s get this project started. ” You’re not just buying land; you’re buying into a community. The SURFSIDE BEACH CLUB gives you direct, PRIVATE BEACH ACCESS—no need to scramble for parking! A leisurely flip-flop stroll takes you from your front door to the Gulf’s sugar sands in minutes. There’s a picnic area, benches, and endless Gulf views. It’s a builder’s blank slate with beach perks, and that’s not a bad way to start the day, right? And here’s the best part: Your boat can be tied up right outside your back door. No more wishing; this is where the dream meets reality. You’ve always wanted that easy access to the water, and now you’ve got it. Maybe it’s time to dust off those fishing poles? And oh, did I mention? When you’re not on the water, the beach is literally across the street. That’s right—you’ve got the best of both worlds. Whether you want to walk down with a morning coffee to catch the sunrise or spend the afternoon soaking up the sun, Surfside’s got your back. Plus, no charge for SURFSIDE BEACH CLUB members if you decide to drive. But why drive when you can join the neighbors walking down every day? BOTTOM LINE: Whether you're ready to grab your hammer and make this house your personal project or bulldoze and build the ultimate beach home or, this location is prime, the views are stellar, and the opportunities are endless. All that’s left is for you to decide: What kind of waterfront dream are you building? SURVEY AVAILABLE
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $559,200 | $559,200 | $559,200 |
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 | $817 | $817 | $817 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,720 | $3,717 | $4,795 |
Total Monthly Payment | $4,629 | $4,626 | $5,704 |
* 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.