Spruce Creek South, 55+ Gated Golf Course Community just 2 miles north of The Villages. Previously golf course frontage, this home is beautifully situated on the Old Creek 9 hole golf course, no longer in use. This 1, 296 sq ft, two bedroom, two bath Chestnut floor plan can be your retirement home or winter get away! Since 2011 this house has been used only seasonally. With volume ceilings, updated flooring, French doors to the lanai, you will not want to miss this one! The lanai is under shingle roof and could easily be updated to be additional square footage. The driveway, and front patio have been extended with and a golf cart path extends from the driveway through the back yard for direct access to the nature area. The lanai is a spacious 12 x 20 and accesses the rear patio which is also 12 x 20. This will be an area you want to soak up the sun and enjoy the views of the nature behind your lovely home. Majestic oaks in the corner of the back yard provide just the right amount of shade over the lanai. A concrete path runs along the west side of the house through the back yard for golf cart access to the nature area. Inside, the flooring has been updated with gray tone higher grade laminate throughout, with updated ceramic tile in the master bath. Both bedrooms have spacious walk in closets. And both baths have many updates. The guest bath sports new vanity cabinets, countertops and a deep linen closet. The master bath features a barn sliding style door. The master shower is a highly desirable large walk in shower, tiled floor to ceiling with full glass wall and swinging glass door enclosure. Special custom features are multiple shower heads, plus a hand held showerhead and a teak bench. Multiple handrails make this safely accessible. The vanity was custom designed with tall countertop. The kitchen appliances are recently updated and there is room for a small table in addition to the dining room space. The laundry room is located inside the home and is features a washer and dryer new in 2023. Plenty of storage cabinetry surrounds the laundry room. The kitchen appliances are also newer stainless units. A brand new water heater was recently installed, the home is clean and well maintained. The living, dining, laundry and guest bedroom were all freshly painted in 2023. The location of this home is highly desirable, with no rear neighbors and is walking distance to the community center with pool, pickleball, tennis, volleyball and much more. There are approximately 140 acres of dog friendly nature trails to explore behind property. Convenient walking distance to the Community Center, pool, exercise facilities, saunas, dance and exercise classes, social activities, billiards, library and more! Golf cart access to shopping, physicians, pharmacies, and restaurants! Roof 2009 HVAC 2009. Seller is related to agent.
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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 | $207,920 | $207,920 | $207,920 |
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 | 7.477% | 7.159% | 6.296% |
Monthly Tax Payment | $261 | $261 | $261 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,383 | $1,382 | $1,753 |
Total Monthly Payment | $1,718 | $1,717 | $2,088 |
* 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.