Discover this charming 2-bedroom, 2-bath home with 1, 144 square feet of thoughtfully designed living space, nestled on a generously sized lot in the peaceful 55+ community of Spruce Creek North. The home features large windows throughout, flooding the interior with natural light and creating a warm, inviting atmosphere. ? Inside, you’ll find spacious rooms perfect for relaxing or entertaining. The kitchen offers ample counter space and plenty of cabinets for storage, making it both functional and stylish. A delightful sunroom overlooks the tree-lined backyard, providing a serene space to enjoy your morning coffee or unwind after a busy day. ? Spruce Creek North is a vibrant community with amenities that include billiards, Bocce Ball, shuffleboard, a library, a fitness center, a pool, and a clubhouse. You’ll never run out of ways to stay active and socialize, as the community is designed to keep your calendar full of activities. ? Conveniently located near major roads, shopping, and dining venues, this home offers both tranquility and accessibility. The HOA takes care of community maintenance, trash pickup, cable, and security patrol, ensuring a hassle-free lifestyle. ? This home is truly a must-see! Call me today for a private tour.
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Our Executive Mortgage Banker:
Our Insurance Division:
$199,000
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 | $159,200 | $159,200 | $159,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.278% | 7.159% | 6.276% |
Monthly Tax Payment | $47 | $47 | $47 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,046 | $1,058 | $1,343 |
Total Monthly Payment | $1,168 | $1,180 | $1,465 |
* 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.