Welcome to Ponderosa Park, a vibrant and rare 55+ community where you own your lot—keeping property taxes and monthly fees remarkably low. Unlike many other homes in the area, this property is not located in a flood zone and requires no flood insurance, saving you even more on monthly costs. Plus, this home sustained no damage or flooding from recent hurricanes, offering peace of mind and long-term security. This charming 2-bedroom, 1. 5-bathroom manufactured home is move-in ready and thoughtfully designed. Enjoy the bright and inviting sunroom, perfect for relaxing or entertaining, and take advantage of the large storage shed, complete with a washer, dryer, and ample space for hobbies or tools. The maintenance-free landscaping with decorative rock adds to the ease of ownership, making this home ideal for year-round residents or seasonal snowbirds. Living in Ponderosa Park means access to fantastic amenities, including a sparkling pool, shuffleboard courts, and a welcoming clubhouse—all for an incredibly low HOA just $21 per month. Few communities offer the freedom and affordability of land ownership, making this neighborhood truly special. Located just minutes from Hudson Beach, this home is perfectly situated to enjoy the best of Florida's Gulf Coast. Spend your evenings savoring tropical drinks at beachside bars or indulging in freshly caught seafood at local restaurants. The Gulf’s stunning beaches, along with nearby dining, shopping, and medical facilities, ensure all your needs are close at hand. For travelers, Tampa International Airport is less than 45 minutes away, offering easy access for visitors or quick getaways. With its low taxes, no flood insurance requirements, and minimal HOA fees, this home offers one of the most affordable lifestyles in the area, without sacrificing comfort or convenience. Schedule your private showing today and start living the Florida lifestyle you’ve always dreamed of!
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Our Executive Mortgage Banker:
Our Insurance Division:
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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 | $107,920 | $107,920 | $107,920 |
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 | $112 | $112 | $112 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $700 | $691 | $896 |
Total Monthly Payment | $887 | $878 | $1,083 |
* 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.