Under contract-accepting backup offers. Come and enjoy the warm & tropical Florida waterfront lifestyle in this charming 2-bedroom, 2 bath, 1 car garage waterfront home featuring a new 2023 -10, 000lb boat lift with fixed dock decked with Owens Corning Fiberglass (Wear Deck), an additional floating dock and a large fenced in back yard! A huge 21’ x 18’ slab with footings in the rear of the property is ready for you to either add a room on to the main living space or build a large screen enclosed patio. This home sits on a large lot with 60 feet of water frontage located on a wide canal that offers expansive views and easy access to the open waters of the Gulf of Mexico where you will enjoy the sandy beaches of nearby tropical islands, excellent fishing, diving, water sports, shelling, island exploring, and more all right outside your door! This home features a spacious kitchen with stainless steel appliances, large living room, cozy family room, two full baths, inside laundry with newer washer & dryer, primary bedroom with walk-in-closet, and guest bedroom that is very generous in size. The home also features a new HVAC system (2023) including all new duct work and UV light filtration system, R-30 insulation, newer water softener, tankless water heater and windows. Gulf Harbors is a golf cart friendly community and has an optional association at a cost of $125 per year that offers 2 boat launches and other amenities. You also have the option to join Gulf Harbors private sandy beach for $200 per year which is just a short bike ride away! Gulf Harbors private beach overlooks beautiful Anclote Key where you will enjoy amazing sunsets! The beach offers cabanas, grills, and picnic tables! There are also many nearby waterfront restaurants with free docking too! Just a short ride from lively downtown New Port Richey with many restaurants, bars, shops, and Sims Park where you can enjoy one of the many special events and outdoor concerts throughout the year or stroll along the beautiful riverwalk along the Cottee River. Close to all shopping, restaurants, medical needs, Tampa airport and more. This is a perfect retirement home, winter getaway, or full-time residence, this home will certainly satisfy your Florida lifestyle!
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Our Executive Mortgage Banker:
Our Insurance Division:
$399,000
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 | $319,200 | $319,200 | $319,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 8.011% | 7.171% | 6.538% |
Monthly Tax Payment | $336 | $336 | $336 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,205 | $2,122 | $2,737 |
Total Monthly Payment | $2,616 | $2,533 | $3,148 |
* 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.