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434 63rd STREET, Holmes Beach, FL, 34217 | $725,000
Ground floor canalfront villa at Seaside Gardens. 2BR/2BA, 1 car garage. This home has a boat lift and 1, 025 SF of dock and deck. It did take on some water from Hurricane Helene (like almost all other ground floor places on the island that have not flooded before). Drywall, furniture, appliances, cupboards, etc. have been removed. This waterfront half duplex has tile floors throughout most of the main living area and halls, and the carpets were removed in bedrooms. The roof is secure (replaced in 2015) and the A/C is functional. Owner was wise enough to place the A/C condenser on platform and the air handler is located above the ceiling. A blank slate to finish it to your own taste or elevate to provide additional square footage. Owner would consider putting drywall back in if someone wishes to remain on one level and keep the current layout. Permits for rebuilding on ground level need to be in by April 9, 2025 per Holmes Beach Building Dept or you will be required to elevate. Boat lift was rebuilt with new switches and aluminum frame, and was rewired before storms. It needs 2 motors (approx. $200/ea. he thinks). There is a public boat ramp at the end of the street and the city parks, dog parks, tennis, basketball etc. , right around the corner. A wonderful opportunity to live on the water on Anna Maria Island! Also a great vacation rental (weekly rentals allow). Much of the rebuilding in Seaside Gardens will be entirely updated - creating a more valuable neighborhood! Even Pet Friendly (no size restriction)!
Features
- Rooms: 6
- Bedrooms: 2
- Baths: 2 full
- Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
- Style: Patio
- Year Built: 1973
- Garage: 1-car Covered, Driveway
- Heating: Central, Electric, Heat Pump
- Cooling: Central Air
- Approx Sq. Feet: 1,416
- Acreage: 0.09
- Est. Taxes: $3,351
- HOA Fee: $100 Monthly
- Lot Desc: Flood Insurance Required, FloodZone, Level, Near Public Transit
- View: Water
- Elem. School: Anna Maria Elementary
- Middle School: Martha B. King Middle
- High School: Manatee High
- Pet Policy: Cats OK, Dogs OK, Yes
- Appliances: None
- MLS#: A4631590
- Days on Market: 1 day
- Website: https://www.raveis.com
/prop/A4631590/43463rdstreet_holmesbeach_fl?source=qrflyer
Listing courtesy of ISLAND REAL ESTATE-ANNA MARIA Phone: 941-778-6066
William Raveis Family of Services
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
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860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
434 63rd STREET, Holmes Beach, FL, 34217
$725,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
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 | $580,000 | $580,000 | $580,000 |
| 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 | 7.456% | 7.171% | 6.276% |
| Monthly Tax Payment | $279 | $279 | $279 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,908 | $3,855 | $4,891 |
| Total Monthly Payment | $4,279 | $4,226 | $5,262 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388