Very affordable living directly on Terra Ceia Bay. 2 bedrooms, 1 & ½ bathrooms, recently updated bright and airy interior with new surfaces including flooring & paint and refreshed hard flooring in kitchen and living room. Appliances have been recently updated new Bosch Dishwasher, pristine cooktop and fridge, covered carport with 2 spaces. Home has central AC (installed new 2012 upgrades 2015 - UV light kit & 2016 Hard Start), Metal Roof, enclosed washer and Dryer, tile floors in main bathroom. You own the land. Very low association dues $100/year, making this an outstanding value with incredibly low cost of ownership. Come take a look!
The community – (Tropical Isles): With 2 ½ miles or waterfront, 3 enclosed harbors, canals with boat docks, canoe & kayak launches, boat ramp & dry storage. Your new home is surrounded on 3 sides by water. With a short walk in any direction you will enjoy watching Manatees play, Sea Birds hunt because you are surrounded by one of Florida’s most beautiful estuarine environments, the spectacular Terra Ceia Bay. Tropical Isles is truly one of Florida’s most unique communities with direct access to Tampa Bay and the Gulf of Mexico, truly a Boater’s Paradise! Community features a full spectrum of activities – dances, parties, golf, softball, aerobics, arts & crafts, cards, and many clubs. Short 12 miles to beautiful beaches of Ana Maria Island, 2. 7 miles to Emerson Point Nature Preserve. You are surrounded by waterfront restaurants where you can enjoy fresh-caught fish or a cocktail while you are watching an incredible sunset? Tropic Isles is a slice of old Florida truly paradise!
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Our Executive Mortgage Banker:
Our Insurance Division:
$185,000
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 | $148,000 | $148,000 | $148,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.880% | 7.171% | 6.538% |
Monthly Tax Payment | $139 | $139 | $139 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $997 | $984 | $1,269 |
Total Monthly Payment | $1,211 | $1,198 | $1,483 |
* 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.