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Your Perfect Florida Retreat Awaits! Welcome to this beautifully updated 3-bedroom, 2-bathroom condo in the highly desirable Harbor Club community of Palm Harbor. Furnishings are negotiable! This second-floor end unit offers modern upgrades, spacious living, and an unbeatable location, making it an excellent choice for a full-time residence, vacation retreat, or investment property. Step inside to a bright and open-concept living space filled with natural light. The updated kitchen features granite countertops, upgraded cabinetry, stainless steel appliances, a water softener system, and an under-sink filtration system. The kitchen flows seamlessly into the dining and living areas, creating a comfortable and inviting atmosphere perfect for entertaining or relaxing. Sliding glass doors lead to a covered balcony with a storage closet, offering a private outdoor retreat to enjoy your morning coffee or unwind at the end of the day. The primary suite provides a spacious and peaceful retreat with a private en-suite bathroom. Both bathrooms have been tastefully updated with granite countertops and contemporary finishes. Each bedroom offers comfortable space and feature walk-in closets that offer plenty of storage. A separate in unit laundry area with a full-size washer and dryer adds extra convenience. Many updates in recent years, including new laminate flooring, new doors, trims, an updated electrical panel (2020), and a newer AC unit (2021), ensure modern comfort and efficiency. The Harbor Club community offers resort-style amenities, including two pools (main pool is heated) and a heated spa, as well as a recreational area. Residents also enjoy access to a clubhouse and a community laundry facility. Direct access to the Pinellas Trail allows for easy biking and walking to nearby local attractions. This prime location is just minutes from Dunedin Beach, Honeymoon Island, and the Caladesi Island Ferry. It is also zoned for top-rated schools, including Ozona Elementary, Palm Harbor Middle, and Palm Harbor University High. The community’s back exit provides quick access to Ozona’s dining and entertainment options. The monthly HOA fee includes water, sewer, trash, escrow reserves, building insurance, pool and exterior maintenance just to name a few, making homeownership easier and more convenient. Don’t miss this incredible opportunity to own a beautifully updated condo in one of Palm Harbor’s most sought-after communities. Schedule your showing today!
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Our Executive Mortgage Banker:
Our Insurance Division:
$265,000
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 | $212,000 | $212,000 | $212,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.000% | 7.017% | 6.120% |
Monthly Tax Payment | $279 | $279 | $279 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,323 | $1,393 | $1,775 |
Total Monthly Payment | $1,677 | $1,747 | $2,129 |
* 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.