In the sought-after Harbor Hills community, this charming 2-bedroom, 2-bath residence combines a prime waterside location with a welcoming, spacious layout. Upon entering, you are greeted by the bright and open main living area, enhanced by NEW interior paint that flows throughout the home. This inviting space features built-in shelving—perfect for displaying decor, books, or personal accents—and seamlessly connects to the dining room, creating a natural area for gatherings and everyday comfort. The split-bedroom layout ensures privacy, with the primary suite on one side featuring an en suite bath and walk-in closet, while the second bedroom is located on the opposite side near a second full bathroom. The kitchen, complete with abundant cabinetry, is conveniently adjacent to the dining room and includes a pass-through window that connects to a generously sized second living room. This additional living area provides dual outdoor access: a side door leading to a cozy side/rear patio and French doors that open onto a large screened lanai. The screened lanai, featuring NEW screening, houses a sparkling in-ground pool. The fenced backyard enhances privacy and offers glimpses of the tranquil canal, which opens to the Manatee River right at the edge of Tampa Bay—ideal for boating and outdoor activities. For added comfort and efficiency, one of the two AC units is NEW, and the home also boasts NEW insulation throughout. Nestled on a quarter-acre lot, elevated 15 feet above sea level and outside of flood zones, this residence provides peace of mind and coastal convenience. Utilities include city water with well water for irrigation, and the hot water heater was updated in 2016. Boating enthusiasts will delight in the exceptional access to water activities, with Warners Bayou Boat Ramp less than a mile away, and beach lovers will relish the nearby pristine beaches of Anna Maria Island, only minutes away, offering sun-soaked days and vibrant coastal adventures. Additionally, an array of shopping, dining, and entertainment options are all within easy reach, making this home not just a place to live, but a gateway to the best of Florida’s enchanting coastal lifestyle. With a few updates, be ready to seize this opportunity and embrace your dream of serene waterside living today!
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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 | $432,000 | $432,000 | $432,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.563% | 7.159% | 6.276% |
Monthly Tax Payment | $168 | $168 | $168 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,874 | $2,871 | $3,643 |
Total Monthly Payment | $3,134 | $3,131 | $3,903 |
* 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.