One or more photo(s) has been virtually staged. Nicely nestled on a CUL-DE-SAC beneath a canopy of Majestic Oaks and boastfully bordering 5 ACRES OF CONSERVATION (NO REAR NEIGHBORS), this St Joe’s Egret UPDATED model rests just beyond the GATED ENTRY in Deland’s PREMIER 55+ community! Victoria Gardens is well-suited for the active adult who wants to live life to the fullest having energy for events, activities, and engagement with community and meaningful relationships! It features multiple spa-like pools, fitness centers, walking trails, tennis/pickleball, golfing, a community center with a wide variety of activities from musicals to yoga, and the clubhouse restaurant. All of these amenities, in addition to LAWN MAINTENANCE with IRRIGATION, PREMIUM CABLE, and HIGH-SPEED INTERNET, are included in the monthly dues, giving great value to the coveted FLORIDA RESORT LIFESTYLE! There are so many RECENT IMPROVEMENTS!! NEW 100% WATERPROOF VINYL PLANK FLOORS LAID CONTINUOUSLY THROUGHOUT - 2024…NO CARPET!! NEW INTERIOR PAINTING THROUGHOUT - 2024!! NEW LIGHTING - 2024!! NEW HOT WATER HEATER - 2024!! NEW HVAC - 2023!! NEWER ROOF - 2021!! NEWER GRANITE COUNTERTOPS - 2021!! NEWER OVERSIZED ZERO ENTRY TWO JET WALK-IN SHOWER in the MASTER ENSUITE - 2021!! NEWER SECURITY SYSTEM - 2021!! NEWER PROGRAMMABLE EXTERIOR LIGHTING - 2021!! …and for security and peace of mind, a NEWER 22kw GENERAC WHOLE HOUSE GENERATOR which is programmed to self-test weekly - 2021!! Approaching the FRONT STORM DOOR without any steps from the drive and noting the decorative TRANSOM WINDOW ABOVE, a large GREAT ROOM welcomes with sight lines extending all the way to the rear of the home past the 8’ GLASS SLIDERS opening onto a true SUNROOM, EXTENDED by the builder and recently upgraded with a fashionable rectangular tiled floor…all creating an incredible OUTDOOR LIVING EXPERIENCE with beautiful PRIVATE VIEWS! Open from the dining room that is settled between TWO LARGE CORNER WINDOWS, the kitchen is aligned with ample counter space and WHITE CABINETRY along both walls. These are stylishly contrasted by the BOLD BLACK COMPOSITE SINK and TWO HIGH-ARC FAUCETS, one with a PULL-DOWN SPRAY feature and the other delivering immediate hot water via an insta-hot system. The laundry room exits to the garage and also houses TWO PANTRIES: one as an enclosed closet and the other on open shelving. The MASTER features multiple windows allowing shaded light and visibility into the sunroom and the natural Florida flora. A WALK-IN CLOSET with BUILT-INS, a DOUBLE-SINK VANITY, and a PRIVACY WALL finish-out the ENSUITE. Two secondary bedrooms, one with an EXCEPTIONAL WINDOW BUMP-OUT, share a hall bath that is light and bright. Some of the other additional improvements include 3M WINDOW PROTECTION, CROWN MOLDING, and a “SMART” GARAGE DOOR OPENER with wifi capabilities! Deland is noted as America’s #1 Mainstreet in 2017 and continues to grow as one of Florida’s best-kept-secrets being less than an hour to Florida’s beaches and Orlando, the entertainment capital of the world.
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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 | $260,000 | $260,000 | $260,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 7.125% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.474% | 7.282% | 6.412 |
Monthly Tax Payment | $309 | $309 | $309 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,796 | $1,752 | $2,212 |
Total Monthly Payment | $2,180 | $2,136 | $2,596 |
* 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.