Charming cottage plus separate studio apartment 2 blocks from Belleair golf course. Lease out both or live in the cottage and rent the studio for extra income. Both homes include electric solar panels and solar water heaters - all owned and convey with the property. The cottage includes new luxury vinyl plank floors, a kitchen with newer white cabinets and granite counters and a screened front porch. Central AC (2019) and an attached laundry area complete this homes desireable qualities. The studio apartment has tile floors, newly installed shower and bath and features vault ceilings, a partly enclosed outside storage area and patio. It is heated and cooled with a mini-split (2021). With their desireable location, these homes are never vacant long, current tenant of cottage has leased here for 3 years. Roof of Cottage - dimensional shingle 2018, back half of roof is galvanized standing seam 2018, installed before the solar panels were attached. Roof of Studio - dimensional shingle, 8 or 9 years old. Successful, well located income properties like this are hard to find in Pinellas - make your appointment to see this one today!
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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 | $343,200 | $343,200 | $343,200 |
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 | $195 | $195 | $195 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,312 | $2,281 | $2,894 |
Total Monthly Payment | $2,582 | $2,551 | $3,164 |
* 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.