Discover the epitome of coastal living in this stunning stilt home nestled in the sought-after community of Harbor Isles. Offering direct Gulf access, this 2-bedroom, 2-bathroom gem features an oversized 50+ ft boat dock perfect for boating enthusiasts. Situated on a generous 0. 28-acre lot, this 1985-built home is a true sanctuary for those seeking waterfront serenity without the burden of HOA or CDD fees. Enjoy direct access to the Gulf of Mexico from your private canal, perfect for fishing, boating, and soaking in breathtaking sunsets. The oversized 50+ ft boat dock accommodates larger vessels with ease, making it a boater’s paradise. Located in an AE flood zone, the stilt design ensures added security and peace of mind during storms, keeping the main living areas high and dry.
Boasting 1, 856 sqft, this home features a vaulted cathedral-style ceiling in the primary living space, creating an airy, open atmosphere. A spiral staircase leads to a versatile loft area with a private balcony facing the Gulf, ideal for a home office, additional bedroom, or creative retreat. The oversized rear balcony off the living room and kitchen offers stunning canal views and ample space for entertaining. Three storage rooms or workshops are located beneath the home, along with ample parking space for cars, Motorcycles, Lawn Mowers, or other toys!
A speed boat is available for purchase, making this an unbeatable package for water lovers. Whether you’re looking to gather around the wood-burning fireplace in the living room for cozy evenings, entertain on the expansive deck, or set sail from your private dock, this Harbor Isles property offers a unique blend of comfort, style, and adventure. Don’t miss the opportunity to create your dream waterfront lifestyle. Schedule your private tour today and make this canal-front treasure your own!
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William Raveis Real Estate
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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 | $520,000 | $520,000 | $520,000 |
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 | 7.443% | 7.133% | 6.256% |
Monthly Tax Payment | $295 | $295 | $295 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,503 | $3,456 | $4,385 |
Total Monthly Payment | $3,890 | $3,843 | $4,772 |
* 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.