Magnificent three bedroom, two bath home with den, heated pool, fenced yard for privacy in Bay Oaks Estates in Osprey. This fantastic, well maintained home has it all including a LOW annual fee of $270. Features include an updated kitchen with large farmer sink, quartz counters, Bosch Range with stainless hood, Bosch dishwasher, Samsung Refrigerator with plenty of storage, reverse osmosis water system in kitchen, water softener, soft close Shaker cabinets, engineered hardwood flooring throughout the living area, new decorator ceiling fans and light fixtures, crown molding in living area, built in bookcase in den, chair rail in dining room, lots of natural light with three bay windows. A wood burning fireplace in family room adds warmth to a chilly winter morning. Master suite includes large walk in closet, window seat, granite his & her vanities, garden tub and roman shower. Handicap tub in pool bath. The large heated pool (28x16) features a 21 x13 under roof seating area with pendant lighting and pool fountain, cool decking, new pool pump and pool heater, lanai screening replaced 2021 and a beautiful fenced back yard for privacy winning Yard of the Month Award in September 2024. Other updates include Leaf Filter Screens (2024), irrigation pump for well and tank replaced 2024, Carrier A/C replaced 2024, wood fence replaced 2023, hot water heater replaced 2020 and roof was replaced 2014. Bay Oaks is a unique community situated near the Legacy Trail, Oscar Scherer State Park, Nokomis Beach, Blackburn Point, Historic Spanish Point and so much more. Sarasota Schools are "A" rated and Pineview High School for the gifted is #1 in the state of Florida. Come, sit on the front porch and enjoy this wonderful home. (Some Furniture available outside of contract)
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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 | $559,200 | $559,200 | $559,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.708% | 7.133% | 6.256% |
Monthly Tax Payment | $258 | $258 | $258 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,862 | $3,717 | $4,716 |
Total Monthly Payment | $4,212 | $4,067 | $5,066 |
* 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.