Welcome to this custom-built home located in the sought after community of La Paloma in Ruskin (not a 55+ community)! This community has a Low HOA, No CDD and is not in a flood zone. This corner lot is just under . 25 acres and has water views in addition to golf course views as it is located on the 17th hole of the Cypress Creek Golf course. Built by Miller Florida Homes, this 3-bedroom, 3 full bath PRIVATE POOL home also has a dedicated office space that can be used as a fourth bedroom, if needed. Solar panels were installed in 2022 and keep the utility bills in a credit status with the owner’s current usage. There are TWO Tesla Power Wall batteries, and the capacity allows for additional loads including electric vehicle charging. Inside, you will be greeted with high ceilings in the foyer and the formal living and dining rooms. The office has double glass doors and plenty of space for dual use if needed. The kitchen has been UPDATED with timeless finishes including Quartz countertops, white tile backsplash, under mount lighting, new hardware and fixtures. The island has a two-tone gray color and has been extended for more storage. Additional cabinetry extension was done to add the pull-out trash receptacle. The family room has a CUSTOM furniture niche and a wall of windows allowing for plenty of natural light. The dinette overlooks the PRIVATE POOL and peaceful views! There is a covered lanai perfect for shade and shelter and lounging areas where you can enjoy the Florida sunshine! The split floor plan has an oversized primary bedroom with door access to the pool. The en-suite has a walk-in shower, split vanities, Granite countertops and a water closet. There are two walk-in closets with custom shelving and drawers. The second bedroom has en-suite access to a full bathroom making this ideal for an in-law situation. The third bedroom has loads of storage and quick access to the third full bathroom. The laundry room has a built-in closet, cabinets and a utility sink. Updated and features include the roof (2015), 5 ton/14 Seer HVAC (2016), hot water heater with an energy-efficient heat pump (2021), new pool pump & heater for the lap pool, arched doorways and windows, crown molding and a 3-car garage. Located within minutes to shopping, restaurants, hospitals and less than 5 minutes to I-75! The Tampa International Airport is 30 minutes away, less than an hour to the Sarasota shops and 20 minutes to Ellenton Prime Outlets!
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$570,000
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 | $456,000 | $456,000 | $456,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 7.250% | 6.375% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.295% | 7.408% | 6.623% |
Monthly Tax Payment | $653 | $653 | $653 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,072 | $3,111 | $3,941 |
Total Monthly Payment | $3,817 | $3,856 | $4,686 |
* 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.