Lake Padgett Estates - Lake Joyce - This charming lakefront property offers a fantastic opportunity to embrace waterfront living. The home features a well-designed layout, perfect for comfortable living and entertaining. As you enter, you’ll find a spacious and airy living area that flows into the dining and kitchen spaces, ideal for family gatherings and social events. Large windows throughout the home provide plenty of natural light and offer beautiful views of the serene lake, ensuring you always feel connected to nature. The expansive yard, both front and back, offers ample space for outdoor activities. With direct access to the lake, you have the perfect spot to install your own dock for boating, fishing, and other water activities right from your doorstep. The oversized two-car garage provides plenty of room for vehicles, storage, and even a workshop if desired. Additionally, there’s a bonus room that can be transformed into a home office, gym, playroom, or guest suite—the possibilities are endless! This 70's style home is a fixer-upper and needs work, but it's a great chance to customize the property to your personal taste. The peaceful and picturesque setting of Lake Joyce makes this an exceptional opportunity. Don't miss out on this unique chance to create lasting memories in a place where every day feels like a vacation. Lake Joyce is a 20 Acre electric motor only lake. Lake Padgett Estates has access to 3 Ski Lake Lake Padgett 200 acres, East Lake 100 Acres, Lake Saxon 87 acres and Lake Joyce. Parkes, boat ramps, horse riding stables all included in this great subdivision.
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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 | $311,920 | $311,920 | $311,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
Monthly Tax Payment | $169 | $169 | $169 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,075 | $2,049 | $2,630 |
Total Monthly Payment | $2,319 | $2,293 | $2,874 |
* 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.