This lovingly maintained 2 bed/2 bath/den waterfront home was custom built in 2006 for the current owners and has been well cared for since. No flooding from recent storms and move-in ready, the home has 1, 740 sq. ft of living space plus 180 sq. ft screened lanai to enjoy the water views. Upgrades in 2024 include HVAC system, shingle roof, and water-resistant laminate flooring throughout with original well-maintained tile in kitchen and baths. Recently painted in neutral colors, the home features an open floor plan; den/office behind French doors; large primary suite with ensuite featuring garden tub, large separate shower and walk-in closet; and large guest bedroom with mounted TV and guest bath close by creating a comfortable area for family and friends. Large chef's kitchen has plenty of cabinets, island and separate coffee or wine bar area. Open floor plan with views of the water from kitchen/living/dining areas. Separate utility room with washer and dryer. Ceiling fans, custom blinds, transom windows and a tray ceiling are some of the high-end extras. Enjoy the elevated walk-way to two entrances, the back yard on the water where manatee and dolphin like to play, and a 2-floor storage shed with pull down steps for additional storage. Build the dock/lift of your choice as home is located on navigable water to Tampa Bay with no bridges. This home is truly for the astute buyer who appreciates quality and value. Price includes share for the lot and ownership in the co-op. Low monthly maintenance fee is $360 and includes water/sewer/trash pick up/ lawn mowing/seawall maintenance/private streets/24 hr manned gate and all amenities including heated pool, clubhouse, fitness center, billiards, two boat ramps and so much more. Located in the dog area where two dogs or cats up to 35 pounds are welcomed. Two pets total per household. Home is within the popular 55+ community of Americana Cove that is located only 10 mins to downtown St. Petersburg, minutes to 4th street with shopping and restaurants and 15 mins to two airports. The beautiful beaches are only 25 mins away. What's not to love! Community requires 675 or above credit score.
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$449,000
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 | $359,200 | $359,200 | $359,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.443% | 7.133% | 6.256% |
Monthly Tax Payment | $435 | $435 | $435 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,420 | $2,387 | $3,029 |
Total Monthly Payment | $2,930 | $2,897 | $3,539 |
* 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.