20296 SW 85th Ave, Cutler Bay, FL, 33189 | $530,000

This split level home is located in the sought after gated community of Seagrape in Cutler Bay. This lake front home boasts an over sized primary bedroom located upstairs. This bedroom has vaulted ceilings & wall to wall sliding impact doors that give you an amazing view of the lake. The upstairs also offer a loft area perfect for an in-home office/gaming or workout area. Downstairs you will find the 2nd bathroom and the additional 2 bedrooms with room for 3rd. Easily making this a 4/3. Plenty of room for a formal dining area & family room. The Kitchen has BRAND NEW appliances & a perfect area for dinette or breakfast table. Lastly, the screened in back patio spans the length of the home and is great for entertaining or relaxing while over looking the tranquil lake in your backyard.

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Garage
  • Style: Two Story
  • Year Built: 1977
  • Garage: 1-car Garage Door Opener
  • Heating: Central,Electric
  • Cooling: Central Air,Ceiling Fan(s),Electric,Wall/Window Unit(s)
  • Approx Sq. Feet: 2,342
  • Est. Taxes: $6,349
  • HOA Fee: $139 Monthly
  • Lot Desc: < 1/4 Acre
  • View: Lake
  • Water Front: Yes
  • Elem. School: Edward Whigham
  • High School: Miami Southridge
  • Appliances: Dryer,Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator,Water Softener Owned,Washer
  • MLS#: A11680224
  • Days on Market: 34 days
  • Website: https://www.raveis.com
    /prop/A11680224/20296sw85thave_cutlerbay_fl?source=qrflyer
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Listing courtesy of EXP Realty   Phone: 888-883-8509

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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20296 SW 85th Ave, Cutler Bay, FL, 33189

$530,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 $424,000 $424,000 $424,000
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 $529 $529 $529
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,857 $2,818 $3,576
Total Monthly Payment $3,478 $3,439 $4,197

* 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.