This fabulous eco-smart 3-bedroom, 2-bath with a den home is located in the premier, active adult gated community of Traditions at Lake Ruby. The spacious great room features 20x20 porcelain tile flooring arranged in a diagonal pattern and glass sliding doors leading to the screened-in lanai. The well-equipped kitchen showcases 42" upper cabinetry with crown molding and brushed nickel hardware. The upgraded, smudge-proof appliance package includes a double oven range, convection microwave, and refrigerator with a built-in Keurig option. A closet pantry provides ample storage, while the center island, adorned with a quartz countertop, is complemented by pendant lighting. The generously sized primary bedroom suite is enhanced with crown molding and features a large walk-in closet. The primary bathroom offers a handicap-accessible tiled shower with decorative listello tile surround, a comfort-height vanity with double sinks, water closet and a linen closet. For outdoor enjoyment, this property includes a spacious screened-in lanai and an open paved patio, offering a serene space to relax and unwind. Additional highlights of the home include: A formal dining room, breakfast nook, laundry room with cabinetry, Tile flooring throughout the main living areas, exterior stone façade, gutters, and an irrigation system with a rain gauge, water softener system, In-wall pest control system, screened entrance, paved patio and driveway. The 3-car garage features an epoxy coated flooring with florescence flecks, plus programmable door openers and a retractable screen door. Energy-efficient features, such as an AO Smith hybrid water heater, Low-E double-pane windows with solar tint, architectural shingles (2018), a radiant heat barrier, and GreenGuard Max house wrap. Smart home elements, including a smart entry lock and programmable thermostat. The Picturesque Community of Traditions offers Planned Community Activities and other amenities such as a Lakefront Clubhouse, Dock & Boat Ramp, Heated Swimming Pool and Spa, Ballroom, Billiards, Meeting Room, Library, Computer Room, Craft Room, Dog Park, Tennis Courts, Basketball Court, Bocce, Shuffleboard, Fitness Center, Aerobics Studio and Much More. With its convenient location near shopping, restaurants, major routes, and Legoland, this home offers an exceptional lifestyle. Monthly HOA fees cover exterior house painting, cable, internet, lawn service, and clubhouse amenities, ensuring a worry-free living experience. Nestled on a premium oversized lot with no direct rear neighbors, this property showcases Florida-friendly landscape plantings, combining beauty, sustainability, and low maintenance.
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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 | $319,600 | $319,600 | $319,600 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.191% | 7.171% | 6.276% |
Monthly Tax Payment | $409 | $409 | $409 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,100 | $2,124 | $2,695 |
Total Monthly Payment | $2,583 | $2,607 | $3,178 |
* 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.