CUSTOM BRICK HOME ON 2 ACRES IN BAY LAKE RANCH. Nestled on 2 acres and surrounded by the sounds of nature, this custom 4-bedroom, 3-bath brick home in Bay Lake Ranch offers nearly 4, 000 SQUARE FEET of heated living space, plus an attached 3-CAR GARAGE. Enjoy carefree living with NO HOA. Thoughtfully crafted by its owners with the expertise of builder Pete Bracy, every detail of this home reflects a meticulous design approach. Recent updates include a NEW ROOF (2017), 2 A/C UNITS (2020), ANDERSEN WINDOWS (2016), ENGINEERED HARDWOOD FLOORING in the primary bedroom (2022), a new millings DRIVEWAY (2024), a GAS WATER HEATER (2022), a whole-house WATER SOFTENER (2023), complete renovation of the 2ND BATHROOM (2022), REFRIGERATOR (2023), and WASHER AND DRYER (2021). The septic system was inspected in 2024, ensuring peace of mind for new owners.
As you approach, a winding driveway through mature trees leads you to the front of the home and a large parking pad in front of the 26x40 3-CAR GARAGE. The freshly updated landscaping enhances the home’s curb appeal, setting the tone for the welcoming interior. Entering the home, you're greeted by a large foyer or BONUS ROOM, which flows into a warm and inviting living and dining area with wood flooring and a wood-burning fireplace. The home features updated Andersen double-pane windows throughout, allowing natural light to fill the space.
To the right, you’ll find a generously sized kitchen with a dinette area, equipped with two refrigerators, a gas cooktop, an oven, a microwave, a dishwasher, and a prep island, ideal for the home chef. Adjacent to the kitchen is a 17x20 FAMILY ROOM with sliding doors plus easy access to the garage. The first floor has three bedrooms and two bathrooms, including the 2nd bedroom measuring 17x13, and a hall bath completely renovated in 2022 with a new shower, flooring, vanity, and mirror. The 4th bedroom offers versatility as a potential library or office. Large enclosed rear porch with a/c and exterior door, could be used as 5th bedroom, game room or man cave.
Upstairs, the expansive primary suite offers over 1, 100 square feet of luxurious space, featuring wood burning fireplace, engineered hardwood floors, two walk-in closets, a linen closet, and built-in bookshelves. Additional engineered wood flooring is available to further customize the primary suite. The ensuite bathroom includes a garden tub, shower stall, dual sinks, and a bidet. The extra-deep 3-car garage (26x40) is perfect for accommodating oversized trucks, work vehicle, or recreational toys.
This 2-acre lot provides ample room to add a pool, workshop, or other outdoor amenities, with plenty of space for pets to roam and explore. In the evenings, you can enjoy watching deer, tortoises, and wild turkeys that frequently visit the property. This home offers a tranquil escape from city life while maintaining convenient access to essential amenities. BAY LAKE RANCH residents enjoy events such as the Halloween Hayride, Holiday Tour of Lights, and community yard sales. Located in Harmony School Zone. The neighborhood offers convenient access to Lake Nona Medical City, VA Hospital, Melbourne, and OIA. If you’re seeking a spacious and distinctive home outside of the city, this is a must-see property. Make your dream a reality!
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NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $671,920 | $671,920 | $671,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.625% | 6.750% | 6.625% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.282% | 6.864% | 6.810% |
Monthly Tax Payment | $349 | $349 | $349 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,302 | $4,358 | $5,899 |
Total Monthly Payment | $4,743 | $4,799 | $6,340 |
* 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.