Nestled in the heart of the vibrant 55+ gated golf community of SPRUCE CREEK SOUTH, this expanded FIR model home offers an inviting lifestyle with access to countless amenities. Adjacent to THE VILLAGES, FLORIDA, the property boasts an oversized two-car garage and high ceilings that add to its spacious feel. The home features a Florida room, complete with a Murphy bed, making it perfect for accommodating guests or setting up a cozy office or craft space. The kitchen is a cook’s delight with high-definition Formica countertops, stainless steel appliances, and a vented hood over the range. You'll appreciate the tile flooring throughout the home, with carpeting in the Florida room. The primary suite includes a large walk-in closet and an updated bathroom with a granite countertop vanity and a walk-in shower, while the guest bedroom is conveniently located next to the hall bath, which also features a granite vanity and a shower. Beyond the home, the community offers endless recreational options including an 18-hole links golf course, a clubhouse, billiards, tennis, pickleball, and bocce ball. Whether you’re into sports or social clubs, there’s something for everyone here. Plus, with doctors, fine dining, and shopping accessible by golf cart, convenience is at your fingertips. Be sure to explore this wonderful community before making your decision—you won’t regret it!
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Our Executive Mortgage Banker:
Our Insurance Division:
$224,000
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 | $179,200 | $179,200 | $179,200 |
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 | $119 | $119 | $119 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,192 | $1,177 | $1,511 |
Total Monthly Payment | $1,386 | $1,371 | $1,705 |
* 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.