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**New electric Central Heat and Air** Charming Craftsman 2BR home in desirable Central Oak Park neighborhood, on a red brick street. High and dry area, never flooded, No Flood Insurance or HOA required. Newly installed Central Heat and Air with new ductwork. Additional New wi Fi super quiet and efficient a/c units in each room to be super efficient in cooling if you didn't want to run central air. New 40 gallon electric water heater. New Samsung 30" electric Range with WiFi, convection oven with air fryer, New GE Refrigerator. Inside Laundry room with New LG washer and dryer. New bathroom vanity and toilet. Enclosed Front Porch. Detached 10 x 32 Garage with alley access (meets criteria for ADU - - (Additional Dwelling Unit) that could be converted one day for additional income). Fully Fenced rear yard. Home is in move-in condition, with original hardwood floors and freshly painted inside and out. Centrally located - 10 minutes to the vibrant downtown and 10 minutes to Gulf Blvd and St Pete Beach with quick access to I275 to Tampa or Sarasota. Blocks to major shopping, gas stations, Central Library with adjoining Park with lake. Cash or conventional financing.
** (Home newly converted from gas to an all electric home, with permits). Perfect retirement or starter home. New sellers disclosures and updated photos coming shortly. Buyer to verify sq/ft.
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Our Executive Mortgage Banker:
Our Insurance Division:
$285,000
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 | $228,000 | $228,000 | $228,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.625% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.887% | 6.790% | 6.014% |
Monthly Tax Payment | $303 | $303 | $303 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,385 | $1,460 | $1,893 |
Total Monthly Payment | $1,763 | $1,838 | $2,271 |
* 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.