DO YOU WANT AN INTEREST RATE AROUND 4%?? SELLER IS OFFERING A 2/1 BUYDOWN ON YOUR MORTGAGE WHICH WILL LOWER YOUR INTEREST RATE FOR THE FIRST TWO YEARS YOU OWN THE HOME! SAVE 2% ON YOUR INTEREST RATE THE FIRST YEAR - ALMOST $800/MONTH AND 1% THE SECOND YEAR - $400/MONTH! THEY WILL ALSO PAY $5, 000 TOWARD CLOSING COSTS. Why wait to build when you can own this stunning, better than new 4-bedroom, 2. 5-bath home with an office and loft, perfectly situated on a private lot with no rear neighbors, backing up to a serene retention area. Lived in for less than a year, this home is in pristine condition and boasts over $100, 000 in luxurious upgrades. From the moment you arrive, the beautiful stone front façade and paver driveway and walkway create an inviting first impression. The large, fenced backyard offers ample room to design your dream pool, with a paver walkway extending from the front yard to the gate. Step inside through the charming covered front porch, where luxury vinyl plank floors flow seamlessly throughout the main level. The spacious foyer features a drop zone/mudroom for convenient storage. The open-concept living space includes a bright and airy dining area, living room, and a chef’s dream kitchen. The kitchen is a true showpiece, with under-cabinet lighting, quartz countertops, stainless steel appliances, a subway-tile backsplash, and a large counter-height island with pendant lighting perfect for casual dining. The kitchen also offers a pantry with custom shelving and an additional storage closet, ideal for a second pantry. Adjacent to the living area, a dedicated office space provides a quiet retreat with views of the backyard. The first floor also includes a half bath and a functional laundry room equipped with built-in cabinetry and a quartz-topped folding station for added convenience. Upstairs, plush upgraded carpeting guides you to a spacious loft, perfect for additional living space. The primary suite is an impressive retreat, featuring a separate sitting area ideal for a home gym, nursery, or private relaxation space. The en-suite bath is beautifully appointed with a double-sink quartz vanity, a glass enclosed shower, and a large walk-in closet with a custom closet system. Additional upgrades in the primary suite include a Brondell Swash toilet seat for a spa-like experience. The remaining bedrooms are generously sized and share a well-appointed second full bath with a double quartz vanity and another upgraded toilet seat. Outside, enjoy the peaceful view from the screened lanai, overlooking the expansive backyard, which extends along the side of the house. The home is packed with modern conveniences, including smart features such as WiFi-enabled lighting, a doorbell camera, a smart thermostat, a WiFi garage door opener, and a front door keypad. Ceiling fans with remote controls are installed in every room, and thoughtful touches like nightlight outlets throughout the hallways and bathrooms add to the home’s charm. The garage and lanai floors have been upgraded with durable Polyaspartic floor coating, and the exterior is equipped with gutters for added functionality. Located just across from Lake Louisa State Park, this home is surrounded by natural beauty and offers easy access to outdoor adventures such as swimming, boating, hiking, and biking. The Ridgeview community, conveniently located on US 27 with nearby SR 429 access, is next to the upcoming Olympus Sports Project, promising future recreational opportunities.
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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 | $540,000 | $540,000 | $540,000 |
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 | $102 | $102 | $102 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,547 | $3,589 | $4,554 |
Total Monthly Payment | $3,741 | $3,783 | $4,748 |
* 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.