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Welcome to 10498 Bay State, a Well-Designed 4-Bedroom 3-Bath 3-Car Garage Home with Private Home office, Workshop in Garage and HEATED POOL on a DOUBLE X ZONE LOT in the highly desired Gulf Access community, South Gulf Cove! This property is located on a rare double lot that backs to a greenbelt, offers sunrise views from your Lanai, and offers unobstructed views of the Santa Cruz Waterway from your pool and backyard. With nearly 2, 700 square feet of living space, this home offers plenty of room for family and guests, and a possible in-law suite for those looking for multi-generational home options.
The foyer is welcoming, with ample space for a book nook or console table and leads to 2 Guest Rooms that share a Full Bath and Linen Closet. Across the hall, you’ll be pleasantly surprised to find a very large Laundry Room with Cabinets and Storage, adjacent to an En-Suite / In-Law Suite with Full Bath and Walk In Closet. Proceed to the main living spaces, your Kitchen features a large island with Bar Height seating, lots of cabinets, farmhouse sink, and built in shelving in the WALK-IN Pantry. The Living Room and Dining Room flank the Kitchen and Breakfast nook, maintaining a seamless flow for conversations and natural light. But wait, there’s more! The frosted glass French Doors open to a Home Office / Study, with quick access through the living rooms sliders to the Lanai and Pool Deck. The Primary Bedroom is generous in size and offers a complete En Suite with Dual Sinks, Garden Tub, and large Walk In Closet. The home boasts a host of recent updates, including a new roof and new HVAC system, providing peace of mind and energy efficiency. The property is also located in an X Flood Zone, meaning no flood insurance is required!
For those with furry friends, the fenced dog run offers a safe and secure space to play. The 3-car garage is a true standout, featuring mini split AC system, workbench, overhead lighting and retractable extension cord, as well as built-in storage components – making it an ideal space for projects and hobbies. This property is ideally situated just minutes from several public boat ramps, providing easy access to the community’s waterways, the Intracoastal Waterway, and the Gulf. Whether you’re an avid boater or just love coastal living, you’ll find everything you need right at your doorstep. You’re only 15 minutes drive to Gulf Beaches, world-class fishing, 99 holes of golf, shopping, dining, and the Tampa Bay Rays' Spring training facility!
Enjoy the benefits of an optional HOA at just $120 per year, minimal deed restrictions, and several pocket parks and walking paths, providing flexibility while still enjoying the community’s perks. Whether you’re seeking a peaceful retreat, investment property or a home with room to grow, this property has it all. Don’t miss out – schedule your showing today and make this paradise yours!
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Our Executive Mortgage Banker:
Our Insurance Division:
$675,000
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 | $540,000 | $540,000 | $540,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.250% | 6.625% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.944% | 6.797% | 6.026% |
Monthly Tax Payment | $451 | $451 | $451 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,325 | $3,458 | $4,484 |
Total Monthly Payment | $3,868 | $4,001 | $5,027 |
* 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.