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Upon entering through the gates of The Ridge at Crossing Creek, one is welcomed into a quiet preserve setting with serene pond view and feel of nature all around. In the community, this cottage-style three-bedroom and two-bath home exudes warmth and an airy, light breezy feel with its high ceilings, large windows with handsome accent framing, LED lights in most rooms and Solatube lighting throughout. https: //solatube. com/residential/tubular-skylights Additionally, crown molding was added everywhere except in the guest bath and laundry room; ceiling fans with wall-mounted controls in all rooms, and wiring was installed for both coax cable and fiber optic internet. The open floor plan highlights the home’s 2, 136 square feet and is enhanced by large neutral ceramic tile floor set on an angle, especially in the living room and adjacent dining room. Both rooms also feature half-height shiplap accents, the dining room on much of its wall area and the living room within its entertainment wall and under the counter island between the kitchen. The well-planned kitchen is complete with real wood cabinets, stainless appliances including a Bosch dishwasher, granite countertops, subway backsplash and a custom pendant ceiling light over the island. The traditional breakfast nook is used as a cozy reading room overlooking the backyard. The split bedroom plan allows the primary bedroom and two guest-room area ultimate privacy. All bedrooms are carpeted, and the oversized primary bedroom enjoys preserve views, walk-in closets and an en-suite bath with double sinks and large glassed open shower. The office, with its glass French doors, could be a fourth bedroom or den. This home is special inside and out, and the outside can be brought in by opening the pocket sliders into the extended caged lanai to take in the tranquil preserve view and fenced backyard. The full fencing was done right, with three separate gates, as was the screened front door for air flow and the gutters placed all around the roof to protect the home. This home has amazing upgrades, even in the garage with its mini-split air conditioner, insulated garage door, two solar-powered attic fans and new epoxy floor on March 2, 2025. wow! The Ridge neighborhood offers a resort-style pool and spa overlooking the pond and featuring covered seating and an outdoor grill. In addition to the experience of relaxed Florida living, this prime location is just east of Interstate 75 and north of State Road 70, allowing easy access to shopping, dining and entertainment at UTC mall, Waterside and Main St. in Lakewood Ranch, the arts and cultural activities of Sarasota and, of course, the famous gulf beaches
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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 | $439,920 | $439,920 | $439,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.250% | 6.875% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.949% | 7.017% | 6.034% |
Monthly Tax Payment | $356 | $356 | $356 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,709 | $2,890 | $3,653 |
Total Monthly Payment | $3,157 | $3,338 | $4,101 |
* 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.