WELCOME TO YOUR HOME SWEET HOME at 6527 Clemens Dr, Port Richey in the gated community of Senate Manor, a 55+ cooperative community in SUNNY Florida. This 1979 DOUBLE-WIDE manufactured home with 2 bedrooms + FL room & 2 bathrooms lies on a nice lot with just over 4, 000 sqft in a NO CDD zone with NO REAR NEIGHBORS & serene creek in the backyard. This home did experience storm surge from Hurricane Helene & it is being sold AS IS. Key exterior features are covered front porch where you can meet & greet your neighbors, 2 entrances into the home, rain gutters, carriage lights & easy-breezy TROPICAL landscaping including a mature cactus bearing fruit. When you step inside, you'll LOVE the OPEN FLOOR PLAN consisting of the eat-in-kitchen, living & dining rooms & SPACIOUS lanai/Florida room. The Florida room in the front of the home is SUPERBLY SPACIOUS & features high ceiling & concrete floors. The floors in the rest of the home have been nearly all removed to make the demolition part easier for the new owner. You will find sturdy plywood floors throughout most of the home. The primary bedroom has a private bathroom & walk-in closet. The second bedroom with guest bathroom are near each other. These owners have taken EXCELLENT care of their home. Some of the upgrades to this property include DOUBLE-PANE, THERMAL-TINTED, LOW E WINDOWS, engineered metal roof over about 10 years young, hurricane straps & shutters over the windows, extra wide carport with heavy duty support posts, exterior painting done in 2022, painted driveway in 2022, new water heater in 2024, new screens in FL room that prevent bug entry & professional pest control service for last 5 years. The cool thing about renovating is that you can DESIGN your DREAM home & pick the finishes that you DESIRE. The CONVENIENT storage shed with laundry hookups is great for your garden tools or beach gear. Senate Manor is a GLORIOUS RESIDENT-OWNED 55+ COMMUNITY & included in the low HOA fee of $185/month is trash with recycling pick-up 2X week, all exterior lawn maintenance, water, sewer, street lights, water with fountain views, gates & recreational activities like HEATED POOL & SPA, shuffleboard, horseshoes & gym. There is optional storage for boats, RVs or trailers on site. Location is IDEAL near beaches, shopping, restaurants, medical plazas, places of worship & tourist attractions. MAKE THIS YOUR FUTURE HOME!
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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 | $28,000 | $28,000 | $28,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.352% | 7.042% | 6.160% |
Monthly Tax Payment | $73 | $73 | $73 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $184 | $184 | $234 |
Total Monthly Payment | $332 | $332 | $382 |
* 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.