There has been NO flood or damage from any hurricane at this property as the house and neighborhood sit high and dry. No flood insurance is required or needed. Welcome HOME to this charming 1950s house in the neighborhood of Harshaw/ El Dorado in St. Petersburg! Solid, cement block construction, this property offers 1352 sq ft of living space, which includes 2 bedrooms, 1 bath, plus a 400 sq ft bonus family room and in-door laundry. The unique location is on the corner of an alley offering privacy and the possibility for RV or boat parking and QUALIFIES for the addition of an accessory dwelling unit (ADU) for extra income or visitors. The fully fenced backyard includes a charming Pergola & fire-pit, perfect for outdoor entertainment. There's also a large storage shed with a workbench with an electric outlet nearby. The yard has mature trees and shrubs and an automatic sprinkler system connected to a well and pump on a timer, saving money on your water bill. Upon entering the home, you will notice the vaulted ceilings which help create an expansive living room and kitchen combination. The open kitchen concept offers a nice flow between spaces. The living room offers built-in bookshelves for added storage. The property has had many UPDATES. Central air was installed in the main house in 2023. Impact-rated windows were installed in the living room and master bedroom in 2023. A new roof was added in 2023. The bathroom was fully remodeled. The kitchen is equipped with newer stainless-steel appliances including a fridge, dishwasher, microwave, and stove. Additionally, there's a large walk-through pantry with newer storage space and countertops and has hot and cold water accessibility for any conversions. The house features terrazzo and ceramic tile floors. The well-lit bonus room is cooled and heated with a new mini split unit and has a newer plush carpet and a newly installed water heater in the laundry closet. Situated in flood zone X, enjoy living with peace of mind knowing that the property is in a non-evacuation area, making it a safe & secure investment for you and your family. Centrally located and convenient to grocery, restaurants, outdoor recreation, and shopping at Tyrone Square Mall! Easy access to our beautiful Gulf Beaches, vibrant downtown St. Petersburg, HWY 19 N, and I-275. It's close to Mt. Vernon Elementary. The following conveniences are also nearby: Publix: 1 mile, Mazarro's Italian Market: 1. 7 miles, Tyrone Mall: 3 miles, The Edge District: 3. 8 miles, St. Pete Pier: 5 miles, St. Pete Beach: 7. 4 miles, St. Pete-Clearwater Airport (PIE): 12 miles, Tampa International Airport (TPA): 20 miles.
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$350,000
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 | $280,000 | $280,000 | $280,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 7.125% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.474% | 7.282% | 6.412 |
Monthly Tax Payment | $288 | $288 | $288 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,934 | $1,886 | $2,382 |
Total Monthly Payment | $2,297 | $2,249 | $2,745 |
* 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.