Fabulous four bedroom home is now available in desirable Ocean Cay. From the moment you arrive, you have escaped the stresses of every day and enter into this gated community on Anastasia Island. Tropical palms and foliage welcome you to this little slice of paradise with its' light and brightly colored coastal homes with metal roof accents. This Lantana plan is a very livable floor plan with 4 bedrooms, 2 1/2 baths, and 2 car garage. The home has a welcoming foyer, split bedroom plan offering privacy for the owners, and a laundry room. Coastal wood-look ceramic tile can be found in main areas of home for easy maintenance. Carpet is in bedrooms. Entertaining is easy in this open floor plan with spacious great room, large kitchen island, and adjoining dining area. Ceilings in this area of the home are vaulted. Quartz countertops, white cabinets, stainless appliances and sink, subway tile backsplash, pantry, and double oven make this kitchen a chef's delight. Spacious primary suite with tray ceiling and spa-like bath will be your retreat at the end of the day. Quartz counters, separate glass enclosed shower, walk-in closet, and relaxing soaking tub make this an inviting bathroom. Screened lanai is west facing to enjoy your morning coffee or the dazzling evening sunset show. An additional outdoor concrete porch area extends your gathering capability for your friends and family. This home offers the ease of care with an irrigation system, hurricane shutters, and fenced yard. There is a security system that you can set and go. Seller has recently updated many appliances, and interior has been freshly painted with smooth washable paint and has crown molding in main living areas. This convenient location is near the 312 bridge, moments from historic downtown St. Augustine, local area attractions and restaurants, Pier Park, Flagler College, and stunning St. Augustine Beach. You will often see neighbors riding their bikes or taking their golf carts down to the beach which is just about a mile due east. This section of beach is pedestrian only and is adjacent to the fishing pier. Drive on section of beach is minutes away for your 4x4. Let's make your dream of living by the beach a reality today!
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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 | $488,000 | $488,000 | $488,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.404% | 7.133% | 6.236% |
Monthly Tax Payment | $465 | $465 | $465 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,247 | $3,243 | $4,115 |
Total Monthly Payment | $3,804 | $3,800 | $4,672 |
* 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.