Land Owned. One-of-a-kind Palm Harbor home located on a large lot, on a quiet street, in the 55+ community of Ridgewood Oaks. Inside the home has been freshly painted and features laminate flooring in all rooms. The kitchen is open and spacious with very large windows to enjoy the Florida sunshine. It has lots of cabinets for storage. The living room features a set of French doors that open to an over-sized lanai. The master and guest bedrooms are very large, both with walk-in closets that provide lots of storage. The master bath has been completely remodeled and features a large walk-in shower. Guest bath has also been remolded with a new walk-in shower as well. Other upgrades this past year are a new AC unit, dishwasher and new water heater. Indoor washer and dryer. Outside, the home has a new concreate pad for sunbathing or just enjoying a morning cup of coffee. Large, extended covered driveway provides plenty of room for additional cars or golf cart. This is a must-see home – too many features to list. Cable/Internet, lawn maintenance & sprinkler system are included with your low quarterly condo/HOA fees. The Ridgewood community features a beautiful clubhouse, pool, spa, tennis courts, pickle ball courts, shuffleboard and an outdoor fitness area. Golf cart and small pet friendly. Ridgewood has close access to I-75, many restaurants, the Ellenton Outlet Mall, the Manatee County Library and provides 24 hour gated security. If you are looking for a great Florida Home… Don't let this one get away! Land owned on a quiet street with lots of community activities to enjoy in this 55+ community of Ridgewood Oaks. All room sizes are approximate. All information is deemed reliable but should be verified by buyers and buyer's agent.
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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 | $203,920 | $203,920 | $203,920 |
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 | 7.477% | 7.159% | 6.296% |
Monthly Tax Payment | $89 | $89 | $89 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,357 | $1,355 | $1,720 |
Total Monthly Payment | $1,521 | $1,519 | $1,884 |
* 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.