We’re not saying this is the home that Father Time forgot. This is the home that Father Time beat with a tire iron. Normally, this is where we talk about “channeling your inner Bob Vila” and “good bones” and all that jazz. Honestly, though, the thought of trying to rehab this 1973 mobile home makes us want to hang up our collective licenses and sell cupcakes or something. We’re pretty sure zombies wouldn’t even want to nest here, but it’s entirely possible that some of the Florida wildlife has, because a number of the windows are missing or broken. It brings a whole new meaning to “open concept”. One benefit you can look forward to is having a fairly low power bill; the downside to that is it’s because there’s no HVAC as far as we can tell. Don’t bother breaking out your best cast iron pans to use in the kitchen, because the makeshift counters would probably collapse under the weight. Although the cabinets look fairly sturdy still, keep in mind that they’ve probably been around since Nixon was in office. Hopefully your tetanus shot is up to date as most of the flooring is bare plywood. A truck stop would almost certainly have safer restrooms - at least their shower doors usually work…and are actually attached. But wait, that’s not all! Along with the original trailer, there are two outbuildings on this property. The first is a two car detached garage that could have been a mancave or cozy guest house at one point. It has plumbing for a bathroom, but that’s about as far as construction ever got. There’s also a detached carport with a makeshift workshop where we can envision the cast of the Walking Dead refusing to film. To be absolutely frank, the value here lies with the land. It’s a truly lovely 1. 1 acre corner lot dappled with oak and shade trees. The impact fees are paid, and Knuckey Road is paved. It’s an idyllic rural setting in a neighborhood with no HOA fees, but it’s just off US-19 for easy access to Homosassa, Tarpon Springs, or Clearwater. If sobbing in a corner while spending an eternity making repairs isn’t particularly appealing, we would perhaps recommend tearing it all down and rebuilding from the ground up. You’d probably earn brownie points with your new neighbors, at least.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $108,000 | $108,000 | $108,000 |
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 | 7.551% | 7.159% | 6.276% |
Monthly Tax Payment | $129 | $129 | $129 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $719 | $718 | $911 |
Total Monthly Payment | $923 | $922 | $1,115 |
* 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.