Welcome to your waterfront oasis in Terra Ceia Bay, offering Gulf access right from your own front yard! This charming Florida home boasts a perfect blend of modern updates and natural beauty, all set in a serene "park-like" environment. Upon entering, you'll immediately notice the care and attention to detail that has gone into this home. Recent renovations include a new Flat roof (August 2020), a 2023 HVAC system, and a January 2024 water heater with a transferable lifetime warranty, ensuring year-round comfort and efficiency. The foundation has been meticulously dug out and sealed for waterproofing, and new spray foam insulation installed just two years ago enhances energy efficiency. The interior is both inviting and functional, featuring stainless steel appliances in the kitchen, including a Bosch stove, 5 stage reverse osmosis system, instant hot water tap, along with wood cabinetry and solid surface counters. Luxury vinyl plank floors, replaced in January 2024, add a touch of elegance, while new hurricane-proof oversized windows and doors frame stunning waterfront views from the main living spaces and are protected by a transferable lifetime warranty. Other upgrades include UV light treating air handler, Whole house water filtration & softener, and Whole house surge protector. Step outside to your private paradise, where you can fish, paddleboard, or simply unwind by the fire pit and enjoy breathtaking sunsets over Terra Ceia Bay. The lush landscaping includes mature oak, Banana and coconut trees, providing shade and tranquility. Property also has been wired for a Hot Tub or RV plug hookups! With no rear neighbors and ample privacy, you'll feel like you're on your own secluded island. The master suite is a true retreat, boasting a spa-like ensuite shower with natural stone tiles and raised ceilings that add to the mid-century modern tropical appeal found throughout the home. The primary bathroom has been fully remodeled with a walk-in spa tub, featuring over $20, 000 in upgrades! Whether you're seeking a primary residence, weekend getaway, or short-term rental opportunity, this property offers it all. There are no HOA fees, and boats, RVs, and business equipment are welcome. Plus, with easy access to major cities via I75/275, you can enjoy the best of both worlds – convenience and seclusion. Don't miss your chance to own this affordable slice of paradise. With all renovations completed, this home is ready for you to move in and start enjoying worry-free waterfront living for years to come.
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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 | $360,000 | $360,000 | $360,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.880% | 7.042% | 6.276% |
Monthly Tax Payment | $196 | $196 | $196 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,425 | $2,365 | $3,036 |
Total Monthly Payment | $2,696 | $2,636 | $3,307 |
* 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.