Cute two bedroom, New Roof, New Vinyl fence. This home is located just two blocks off the mass transit, 11 blocks to the St. Cloud.
Lakefront Marina, jogging trail, water pad park, playground, beach, fishing, picnic pavilions, downtown St Cloud restaurants, shops, and
entertainment venues. The home features a user-friendly kitchen with modern cabinetry, a built-in breakfast bar, a lazy susan in the lower cabinetry, and pull-out drawers in the lower cabinetry. A super 6'x 4' walk in pantry is just off the kitchen, and the two rolling metal shelving units give ease to cleaning. The original living room of the home can also serve as a formal dining area adjacent to the kitchen area. The added living room area is fully insulated with its own private air/heat splitter and features great natural light with all of the large windows on the rear of the home.
bathroom features a walk in shower. With modern cabinetry. An attached former carport has been enclosed with a
standard door and roll up door - perfect for lawn mowers, bicycles, motorcycles, wood working, projects, crafts, and more.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Insurance Division:
$285,000
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 | $228,000 | $228,000 | $228,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 7.000% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.330% | 7.182% | 6.412% |
Monthly Tax Payment | $254 | $254 | $254 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,517 | $1,517 | $1,939 |
Total Monthly Payment | $1,846 | $1,846 | $2,268 |
* 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.