With many surrounding homes affected by the devastation of the recent historic Hurricanes. 6337 Cottonwood sits at an elevated height & has remained high and dry through the storm, making it a standout choice for homeowners. LOCATION, LOCATION, LOCATION!! This beautiful Harmon Homes, custom-built tranquil water-front home is located in the highly coveted location of Apollo Beach, FL in a protected area of open harbor homes on a large waterfront lot on a deep-water canal with NO FIXED BRIDGES allowing quick and easy access to the open waters of Tampa Bay! There is a 13, 000 LB boat lift on your private dock just steps away from your back door. You are just minutes away by boat to the waters of Tampa Bay, boat a little longer and you will be in the Gulf of Mexico! This home is truly a Florida Home - views of the water from most rooms, a screened-in expansive lanai with a included 2020 Master Spa deluxe hot tub conveys with home to relax and entertain family and friends, a deck to relax on to enjoy the water and lush landscaping, including the back yard which has PLENTY of room for a pool (see seller provided plans). From the moment you walk through the double front doors you will notice water views behind the house. The great room is large enough to accommodate a party, or just the family. The private master suite in a split floor plan also overlooks the water and wait until you see the master bath! Granite, lots of cabinet space, and all appliances and window coverings convey with the home and again views of the water. Ceramic tile is found throughout most of the home. Windows are covered with 3M hurricane shield and the home is built at a higher elevation, great for reduced insurance premiums. As a bonus you’ll love the air-conditioned room in the over-sized two car garage and is a nice place for a home gym or an office. The attic is a great place for storage, 7 ft high attic ceiling provides lots of extra storage space. There is NO HOMEOWNERS ASSOCIATION (HOA) or CDD fees and the neighborhood is inviting and friendly. This house is truly a great place to call home. Apollo Beach is a charming Tampa Bay waterfront community that has a small-town feel, is only a 25-minute drive to Downtown Tampa, a 30-minute drive to Downtown St. Petersburg, and a 35-minute drive to Sarasota/Bradenton! Sun, Fun and Waterfront in a great hard to come by water-front community! What more could you ask for? New roof in 2019, new hot water heater in 2021, new AC unit in 2021, new water softener system in 2022, whole home surge protector, new Lift Master garage door opener with battery back-up with MyQ Smart technology, front door Kwikset smart lock, new faucets and toilets in the house 2021, and irrigation well for watering the lawn a huge money saver. Do not miss this opportunity to live in this quality home and begin enjoying the beauty, peace and tranquility it offers
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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 | $624,000 | $624,000 | $624,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.477% | 7.159% | 6.498% |
Monthly Tax Payment | $54 | $54 | $54 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,151 | $4,147 | $5,350 |
Total Monthly Payment | $4,297 | $4,293 | $5,496 |
* 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.