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High and dry from recent storms! This PRE-INSPECTED home (March 2025) is truly move-in ready. This home is fully loaded with IMPACT RATED windows and doors, a newer roof, air conditioner, pool pump motor and more! Welcome to Lake St. Charles, a highly desirable community nestled just minutes from Tampa. As you enter the home, the vaulted ceilings and new, wood-look tile whisk you away on the main level. The open floorplan is centered around the updated kitchen, featuring a gas range and other stainless appliances. Whether you're entertaining guests or enjoying a quiet evening at home, the adjoining dining area and cozy living room create the perfect ambiance. There are four spacious bedrooms downstairs with an expansive LOFT and half bathroom upstairs, suitable for any lifestyle. Step outside to your own private backyard oasis, where you can enjoy morning coffee on the patio or host summer barbecues while taking in the peaceful surroundings of this community. The screened-in SALTWATER POOL and HOT TUB still leave room for a grassy yard, allowing for maximum enjoyment by all. The sellers installed a brand-new fence (2025) around the property to keep your loved ones secure. Residents can take advantage of the countless amenities offered. There are 15 acres of outdoor park facilities including a Club House with community pool. For the athletes, there are several tennis courts, pickleball courts, basketball courts, a volleyball court, soccer/baseball fields and playgrounds. Lake St. Charles offers two dog parks along with pet-watering stations, and a 2+ mile paved walking trail. Along the 70-acre lake, you can launch your canoe or kayak, fishing from the docks, explore nature trails, or utilize the picnic tables and grills. There are outdoor activities for the entire family. This community is conveniently located with easy access to Interstate 4 and 75, and Crosstown Expressway, making commuting a breeze. Shopping, restaurants, downtown attractions, Tampa Airport, and MacDill AFB are all within close proximity. Low HOA fees and fantastic perks! This property offers everything you've been looking for in terms of comfort, amenities, and location. Come and make Lake St. Charles your home and enjoy the best of Florida living! Schedule your showing today! Floorplan and Clean Four Point available upon request.
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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 | $463,920 | $463,920 | $463,920 |
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 | $795 | $795 | $795 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,856 | $3,048 | $3,852 |
Total Monthly Payment | $3,743 | $3,935 | $4,739 |
* 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.