Always Dreamed of Living on the Water … Here’s your chance!
WATERFRONT FURNISHED 2-bedroom, 2-bathroom, 2-carport retreat, featuring a versatile office/den that can easily be transformed into a comfortable and inviting 3rd-bedroom.
Situated on the 3rd (top) floor condo in the Bay Island 55+ waterfront gated community is located just minutes from the Gulf of Mexico's white sandy beaches. Step into comfort and convenience with a thoughtfully designed split bedroom floor plan, perfect for modern living. The spacious eat-in kitchen boasts multiple cabinets and is partially open to the main dining room. The roomy living room is ideal for guest entertaining and is accessible to one of the two balconies where one can sit and enjoy watching the boaters sail out to the Intracoastal Waterway. This will also be your favorite place to watch the evening sky change colors as the sun gets ready to set on another beautiful Florida day. The primary bedroom suite is oversized and very privately tucked away from the main living area. The walk-in closet is generous in size and the ensuite is complete with a step-in shower. You’ll also enjoy your private balcony where sipping coffee will become part of your morning routine as you watch for dolphins and manatees to swim by. The large private 2nd bedroom has wall to wall closet is a wonderful bonus and your guests will appreciate the adjacent bathroom. The 3rd bedroom also has wall to wall closets can be utilized as an office or den. Two unique and appreciated features are the 2 HVAC units and 2 water heaters. This provides heating and cooling as well as additional hot water for the individual areas of the condo especially when guests are present. The West facing patio doors are protected with electric shutters. The East windows have been replaced with hurricane impact windows. Bay Island community has much to offer including an active waterfront clubhouse, 6 swimming pools, spa, tennis & pickleball courts, men & women fitness centers, saunas, games room, billiard room, library and a 1. 25 mile waterfront walkway that surrounds the island. Pets welcomed! Convenient location shopping, restaurants, medical facilities and is just 30 minutes to Tampa International and St. Pete/Clearwater Airports. In addition, eclectic downtown St. Petersburg & The Pier are just 15 minutes away. Whether you’re looking for a permanent residence or a weekend getaway, this gem offers the perfect blend of comfort and excitement. Don’t let this once-in-a-lifetime opportunity slip away!
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Insurance Division:
$449,900
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 | $359,920 | $359,920 | $359,920 |
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 | $115 | $115 | $115 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,425 | $2,392 | $3,035 |
Total Monthly Payment | $2,615 | $2,582 | $3,225 |
* 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.