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One or more photo(s) has been virtually staged. Priced below market value!!! Florida living at its finest in the beautiful Harmony community of Saint Cloud! Once you step inside your new ENERGY-EFFICIENT home, you will see pride in ownership and that no upgrade has been missed. This 4BD/2. 5BA home is perfectly situated with tons of curb appeal and a variety of amazing AMENITIES! Built in 2019 this home still feels LIKE NEW as you explore the light and bright OPEN CONCEPT with FORMAL, FAMILY and FLEX SPACES with TILE FLOORS in the main living areas adding to the airy feel and making maintenance a breeze. The kitchen is designed with the home chef in mind offering STAINLESS STEEL APPLIANCES (that include a NEW REFRIGERATOR!), solid surface countertops, BREAKFAST BAR on the large ISLAND and ample storage space. Walking up the stairs you will find a VERSATILE LOFT/BONUS AREA ideal for a flex room or anything else your family might need. Relax in the generous PRIMARY SUITE complete with a private en-suite bath featuring a dual sink vanity, GARDEN TUB and separate glass enclosed shower. Three additional bedrooms share a full guest bath for flexible space and room to grow. Entertain guests and enjoy family cookouts on the covered lanai overlooking a fully FENCED BACKYARD with a NEW IRRIGATION SYSTEM and NEW SOD and the CONSERVATION beyond. Harmony is a GREEN CERTIFIED COMMUNITY offering impressive amenities including TWO 500-ACRE LAKES with community-owned boats, TWO RESORT-STYLE POOLS, splash pad, 12 miles of walking trails, fishing pier, dog parks, basketball court, soccer field, sand volleyball, fitness center, playgrounds, park areas, plus a full social and activities calendar. Harmony is also a GOLF COMMUNITY with access to a 4. 5 STAR GOLF COURSE PRESERVE and ZONED FOR TOP RATED SCHOOLS - HARMONY COMMUNITY K-8 and HARMONY HIGH SCHOOL. Don’t miss your chance to live in this active community convenient to everything Central Florida has to offer!
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$447,000
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 | $357,600 | $357,600 | $357,600 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.191% | 7.042% | 6.160% |
Monthly Tax Payment | $502 | $502 | $502 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,349 | $2,349 | $2,994 |
Total Monthly Payment | $2,926 | $2,926 | $3,571 |
* 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.