Sellers are offering $14, 000 towards closing costs or an interest rate buy-down (negotiable). The homeowners have to relocate due to a new job opportunity and MUST SELL!!!!! Don’t let the interest rates get in the way of owning this stunning home. Beautiful, newly renovated custom-built home with a fresh and updated mediterranean look and feel. Backed up by acres of wooded conservation. This home is located on a quiet gated cul-de-sac in the highly desirable private community of Oyster Bayou. Bring your water toys, you will be on the Gulf of Mexico in minutes using the community private boat ramp or mosey over to the local hot spots on the Cotee River. This elevated home features 3 bedrooms and 2. 5 baths, and a large office, with engineered hardwood throughout. Welcome to your gourmet kitchen, with stainless steel appliances, granite countertops, large walk-in pantry, and a breakfast nook with a conservation view. The open living space is bright and airy with natural light, crown molding, and soaring ceilings. The office features a unique tile floor and French doors to carry you through your workday. The powder bath is just off the office for convenience. The decorative staircase was beautifully crafted with hand painted tiles and handrails to bring the mediterranean feel upstairs. On the second floor, is the large master suite, with an oversized walk-in closet with tons of space. The master bath features a large shower, and dual sinks, a jetted tub and amazing views with conservation land at the back of the house. A large second bedroom, with amazing sunrises, birds, and wildlife right out your windows. The third bedroom features a water view. The large laundry room boasts a utility sink, and the custom 2 linen closets with cabinets give you extra storage. Speaking of storage, there are 2 spacious garages with newly added remote controlled screened doors for optimum views and good ventilation, a common area is air-conditioned for the Man-Cave, a workshop, or gym. Plenty of space for all your water toys, and a golf cart too. The outdoor space has a lush, tropical appeal, outdoor fire pit, and plenty of room for entertainment. This quiet community has a low affordable, FLOOD INSURANCE, annual HOA, as well as low homeowners insurance costs. NPR features stunning beaches, quick access to the Gulf, State Parks, water sports, biking and hiking trails, easy access to downtown, Tampa airports, shops, restaurants, and many festive events. Call today for a showing to see this incredible house!
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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 | $518,000 | $518,000 | $518,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.984% | 7.146% | 6.256% |
Monthly Tax Payment | $677 | $677 | $677 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,446 | $3,443 | $4,368 |
Total Monthly Payment | $4,215 | $4,212 | $5,137 |
* 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.