EXQUISITE WATERFRONT HOME on TERRA CEIA ISLAND!!! Discover the ultimate in Florida living with this magnificent 4-bedroom, 3-bath home located on historic Terra Ceia Island, offering a Private Dock, Boat Lift and deep saltwater canal access to Tampa Bay. This property showcases the perfect blend of luxury, charm, and versatility. --- The ground floor features a spacious great room/entertainment area with French doors that open to the serene canal. This level includes a 4th bedroom and 3rd bathroom, making it ideal for a Mother-In-Law Suite or private guest quarters with its own entrance. --- The master suite is a true retreat, boasting a sitting area, walk-in closet, and soaring 18-foot ceilings. Two sets of French doors lead to a private screened sun deck overlooking the peaceful waterway. Adding to its appeal is a 14x13 bonus room, perfect for a study, nursery, 5th bedroom, or a Custom Walk-In Closet. The oversized master bathroom is a showstopper, featuring an antique clawfoot bathtub, separate walk-in shower, and vintage-inspired vanity. --- The kitchen is both elegant and functional, offering solid wood cabinetry, stainless steel appliances—including a gas stove—and oak hardwood floors. A large counter with bar seating makes it perfect for entertaining. --- This home is rich with upgrades, including new composite decking, new epoxy garage floors, three private screened balconies, RV parking, fresh interior and exterior paint, a newer roof, and updated lighting, fixtures, and hardware. --- Situated on winding roads with Old Florida charm, Terra Ceia Island is a unique paradise surrounded by the Terra Ceia Aquatic Preserve. The optional $250/year community membership offers access to a private gated waterfront park with a boat ramp. --- *For those seeking even more, the vacant lot next door with a seawall, boat lift, and davits is available as a package deal, creating a one-of-a-kind waterfront compound MLS #A4630077. --- Conveniently located near I-275, this home provides easy access to business, cultural, and recreational opportunities while maintaining its tranquil island charm. Don’t miss your chance to own this exceptional piece of Florida paradise—schedule your showing today! CLICK THE VIRTUAL TOUR LINK TO WALK THROUGH THE PROPERTY
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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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $1,116,000 | $1,116,000 | $1,116,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.625% | 6.625% | 6.625% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.282% | 6.762% | 6.036% |
Monthly Tax Payment | $450 | $450 | $450 |
H/O Insurance Payment | $125 | $125 | $125 |
Initial Principal & Interest Pmt | $7,146 | $7,146 | $9,798 |
Total Monthly Payment | $7,721 | $7,721 | $10,373 |
* 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.