AVAILABLE MAY 1, 2025. BOND PAID! Amarillo-style cottage home with lovely curb appeal and north-facing lanai, located between 466 and 466A in Amelia Village, very near Sumter Landing Square and equidistant between Spanish Springs and Brownwood Squares. Covered front porch, open concept living/kitchen/dining room. Split floor plan with guest rooms separated for privacy from the living area by a pocket door. Acrylic enclosed lanai, interior laundry, 2-car garage, hideaway front door screen. Crown molding throughout; high-grade luxury vinyl plank flooring throughout; all lighting replaced in kitchen, including under- and over-cabinet lighting; lower kitchen cabinet pullout shelves. Newer kitchen and bathroom counters, sinks, fixtures; newer fixtures in guest bathtub; newer toilets. New garage door springs installed 2024. Whole-house water filtration system. Roof replaced November 2022.
Termite protection contract in place and transferable. HVAC contract in place and has been regularly serviced every six months. Natural gas water heater (2015) and stove (2020). Refrigerator and dishwasher replaced 2018. Microwave (2020) vents through roof—not back into kitchen. Popcorn ceilings removed. Driveway, sidewalk, front porch, and rear concrete pad painted in 2021 and resealed in 2024. Some window treatments convey. Some furniture can be purchased.
Though there is no HOA fee, there is an amenity fee which is currently $189.
I have monetized my home as an Airbnb by offering guests the guest bedroom, bath and sitting room, and sharing the kitchen. I make around $6000+ per year and have made many friends in the process.
WHAT I LOVE ABOUT MY HOME: I love the location. Amelia Village has a hilly landscape and there's a pond nearby. There are two residential pools within walking distance, as well as two lap pools a short drive away. Two rec centers are within a mile and two larger rec centers are a short drive away. It's very near Lake Sumter Landing Square and about 15 minutes from either Spanish Springs or Brownwood Squares. Shopping is convenient. The neighborhood is very friendly and everyone keeps their lawns well-kept. The northern exposure of the lanai gives you the chance in the summer, even on hot days, to open up the windows in the evenings and catch the breeze that comes up from the pond. The landscaping is easily maintained and makes the lanai feel very private. It's a great place to catch a sunrise anytime of year. The front porch is a nice place to take coffee almost any morning. It's a very cozy home and I've enjoyed it very much.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $295,120 | $295,120 | $295,120 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.990% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.191% | 7.159% | 6.392% |
Monthly Tax Payment | $221 | $221 | $221 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,939 | $1,961 | $2,510 |
Total Monthly Payment | $2,235 | $2,257 | $2,806 |
* 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.