This lovely 4-bedroom, 3-bath Eco Smart home radiates pride of ownership and is nestled in the premier 55+ gated community of Traditions at Ruby Lake. Designed for both comfort and entertaining, the open-concept floor plan features a spacious great room with oversized glass sliding doors leading to the screened-in lanai, creating seamless indoor-outdoor living. The gourmet kitchen boasts 42” upper cabinetry with crown molding, brushed nickel hardware, pull-out shelves, a stone subway tile backsplash, and a functional center island with quartz countertops and decorative pendant lighting. The kitchen is complete with a stainless steel appliance package and a walk-in pantry, as well as a charming breakfast nook and breakfast bar for added seating. Throughout the home, you’ll find elegant details such as crown molding, upgraded lighting fixtures, solid surface flooring, and plantation shutters. The primary bedroom suite is a luxurious retreat with luxury vinyl plank flooring and a spacious walk-in closet with a custom organizer system. The en-suite primary bath offers a comfort-height dual vanity with Moen faucets, a linen closet, a handicapped-accessible walk-in shower, and a garden tub framed with decorative listello tile. The split bedroom floor plan also includes a junior bedroom suite with a private bath. Additional amenities in this wonderful home include a formal dining room, a laundry room with washer, dryer, and additional cabinetry, a welcoming foyer with a transom window, double-pane Low-E windows, keyless entry smart lock, termite bait trap system, smart thermostat, irrigation system, alarm system, paved walkway and driveway, and an AO Smith hybrid water heater. Recently upgraded architectural shingles (2023), a radiant heat barrier, Greenguard Max house wrap, gutters, painted garage floors, and a keyless garage door entry pad enhance both functionality and style. The home also features a 3-car garage with smart garage door openers and additional storage cabinetry along with a refrigerator. Traditions at Ruby Lake offers an exceptional array of amenities, including a lakefront clubhouse, dock and boat ramp, heated swimming pool and spa, ballroom, billiards, meeting rooms, library, computer room, craft room, dog park, tennis and pickleball courts, basketball, bocce ball, shuffleboard, fitness center, aerobics studio, and much more. Conveniently located close to shopping, restaurants, and major routes, this home offers a truly exceptional lifestyle. The monthly HOA fees include Exterior House Painting, Cable, Internet, Lawn Service, and Clubhouse Amenities, making it a worry-free living experience.
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William Raveis Real Estate
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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 | $331,200 | $331,200 | $331,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.655% | 7.146% | 6.412% |
Monthly Tax Payment | $229 | $229 | $229 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,259 | $2,201 | $2,817 |
Total Monthly Payment | $2,563 | $2,505 | $3,121 |
* 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.