UPDATED & FURNISHED 2 BEDROOM, 2 BATH HOME IN ACTIVE 55+ COMMUNITY! Inviting floor plan with coastal cottage decor throughout. COMPLETELY NEW KITCHEN (2024) with stainless steel appliances, quartz countertops, wood shaker cabinets, closet pantry, breakfast bar, and a bright sink area with large corner windows. The adjacent dining room has a wall of lighted built-in cabinets. Plenty of room for entertaining in the ample living room. The spacious primary bedroom has a walk-in closet and en suit bathroom. That primary bathroom features a tiled shower with new plumbing fixtures and dual sink vanity with quartz countertop. Laundry room is also off the primary bedroom and includes a NEW (2024) all-in-one washer/dryer. Charming second bedroom with walk-in closet. Vinyl plank flooring throughout. Enclosed side porch with sliding windows and tile floors. Carport. Storage shed with electricity and utility sink. Shingle roof (Nov. 2016). Central A/C (2022). Double-paned vinyl windows. Vapor barrier, tie downs, and longitudinal stabilizers are all ready for foundation inspections. The land owned and pet friendly community of Ridgewood Oaks offers a heated pool & spa, 24-hour guarded gate, clubhouse, tennis courts, pickle-ball courts, shuffle ball courts, covered outdoor fitness equipment, and plenty of opportunities to make new friends. Ridgewood Oaks is near retail, dining, worship, the public library, outlet malls, I-75, and of course the Manatee River. NO LOT RENT! Monthly fees are $205 and include internet, cable, trash, & grounds maintenance. This property may also be leased with no waiting period. SO MUCH TO OFFER!
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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 | $214,320 | $214,320 | $214,320 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.456% | 7.171% | 6.276% |
Monthly Tax Payment | $142 | $142 | $142 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,444 | $1,424 | $1,807 |
Total Monthly Payment | $1,661 | $1,641 | $2,024 |
* 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.