Waterfront serenity meets luxury living in this pristine move-in- ready home, where every morning begins with breathtaking views of the beautiful cypress tree lined pond. Welcome to Traditions at Lake Ruby, an active 55+ community! This 3-bedroom, 2-bath house, built in 2014, is wonderfully spacious, with over 1, 800 sq. ft. of living space. The open floor plan includes a separate formal dining room and a delightful breakfast nook. An inviting kitchen boasts 42" upper cabinetry, pull-out drawers, pot drawers, a stylish backsplash, USB outlet, beautiful granite countertops, and a center island. Other features include a stainless steel smart refrigerator, other stainless steel appliances, a pantry, and updated pantry door. The generous master bedroom suite is designed with a tray ceiling and large walk-in closet, while the master bath offers a wheelchair-accessible tiled shower, comfort-height toilet, and two vanities. The laundry room features a smart washer and dryer and a closet for additional storage. The 10'x25' Florida room has its own Mini Split AC, and the home also includes an Alexa-enabled smart thermostat, new lighting throughout, vinyl plank flooring in the bedrooms and tile throughout, double-pane windows, blackout window treatments on all windows, an attic with double insulation, hurricane exterior doors that open outward, and fabric window protection for hurricanes. It also boasts a screened front entrance, keyless entry door and smart lock, irrigation system, driveway pavers, gutters, a 2-car garage with Polyaspartic floor coating, and an overhead storage rack. The backyard also features a concrete slab perfect for grilling. The HOA covers lawn service, including bush and tree trimming and mulch replacement; exterior painting of the home (in the owner’s choice of color 2025); and cable and Internet. Traditions at Lake Ruby is a gated, maintenance-free 55+ community featuring clubhouses, planned community activities, and amenities such as a boat ramp and dock, heated outdoor swimming pool and spa, ballroom, billiards, meeting room, library, computer room, craft room, dog park, tennis courts, bocce ball, shuffleboard, fitness center, aerobics studio, and more. The community is conveniently located near shopping, restaurants, hospitals, medical facilities, and Legoland.
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Our Executive Mortgage Banker:
Our Insurance Division:
$341,900
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 | $273,520 | $273,520 | $273,520 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
Monthly Tax Payment | $123 | $123 | $123 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,820 | $1,797 | $2,307 |
Total Monthly Payment | $2,018 | $1,995 | $2,505 |
* 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.