One or more photo(s) has been virtually staged. Beautiful 2004, totally updated WATERFRONT townhome in Cumberland Trace Townhomes in Largo. AC is brand new in 2024! A 10-year AC warrranty transfers! AC duct cleaning in 2024. NO FLOOD INSURANCE REQUIRED! No issues during Hurricane Helene or Milton! In addition to the two large bedrooms upstairs, this unit features a loft that could be used as a nursery, office, or guest bedroom. HOA is only $175 per month; yes, it covers your roof! Luxury waterproof vinyl flooring downstairs with ceramic tile in the kitchen and bathrooms. The floorplan is open and efficient, with no wasted space. Large peninsula counter in the kitchen with seating for at least three. Pendant lighting and track lighting. Under-the-counter rechargeable lighting. Custom backsplash (2016). There are gorgeous granite counters in the kitchen and both bathrooms. The kitchen has a newer (2021) stainless steel refrigerator, range, microwave, and wine refrigerator. The water heater was new in 2018. Custom blinds throughout (2019). The screened back patio has gemstone coating on the floor, was installed in 2015, and gives you an unobstructed view of the pond. Pavered patio for your grill. The primary bedroom is BIG with a custom-painted accent wall, vaulted ceilings, plant shelves, and a huge pass-thru walk-in closet, with custom shelving leading to the spacious master bath. The garden tub is BIG! Double bowl sinks, granite countertops, custom frameless glass walk-in shower (2019), and plenty of lighting, including a large window. Indoor laundry closet on 2nd floor, near bedrooms, with recently installed (2024) 110v outlet to accommodate stackable units. The dryer vent was professionally cleaned (2023). The main water shutoff was replaced in 2024. 1-car attached garage with built-in shelving and 7000-watt generator with hook up. The generator was only used once, for 6 days, during the recent hurricane season. The front storm door is all glass with a built-in screen (2018). Gorgeous community swimming pool with a covered pavilion. You'll love the duck and turtle-filled pond in your backyard. Pond view from kitchen, dining, living, master bath, and primary bedroom. Only a handful of units in the subdivision are waterfront. Cumberland Trace is ideally situated near great schools, shopping, dining, and entertainment. These many upgrades are rare, and a clean and move-in-ready unit is even rarer. Check out the pictures!
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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 | $255,920 | $255,920 | $255,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.750% | 6.625% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.300% | 6.778% | 6.034% |
Monthly Tax Payment | $120 | $120 | $120 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,660 | $1,639 | $2,125 |
Total Monthly Payment | $1,855 | $1,834 | $2,320 |
* 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.