THE BEST PRICED HOME IN SPRUCE CREEK SOUTH!! The seller will replace roof before closing with accepted offer! Hurry up and take a look before it's gone. Upon arriving you notice the home is located at a very private culdesac with no homes on the left or across the street, only huge open spaces that give the feeling of being in the country. You can expect lazy mornings on your front porch sipping coffee and enjoying the peace and quiet. The back and side yards are substantial in size and contribute to the privacy you will enjoy. When you enter you will first notice the spacious living and dining areas with beautiful wood-like laminate flooring. Split bedrooms offer privacy to family and guests alike. The primary bedroom has a walk in closet and step in shower. There is a sizable hall closet for linens or other storage. In the kitchen you will find a place for a modest table and chairs but there is plenty of room for a good sized dining table just across from the kitchen. You will be surprised to find a large ‘extra room’ with a pass-through to the kitchen that could have numerous possibilities such as a family/entertainment room, or even a craft or exercise room. The two car garage has a pull down attic space and loads of storage cabinets lining two walls. There is also a laundry tub for those messy times. The garage is screened so you can work with the door open. In the back there is a small vinyl enclosed porch and an extra room for tools or hobbies or even just for more storage. Spruce Creek South has an impressive list of amenities: a 100, 000 gallon outdoor heated pool and a hot tub, a 25, 000 sq foot ballroom with a stage, a commercial kitchen for large events, a library, a billiards room, a craft room, a cards room, a fitness room with men’s and women’s shower and sauna, a nature area with trails, 2 RV storage lots (cost extra), lighted sand volleyball court, shuffleboard, horse shoes, Bauchi ball, 2 tennis courts and 6 pickle ball courts. Oh and don’t forget the softball field with men’s and women’s competitive teams and an airgun club room! Spruce Creek is a golf course community (with separate fees) and a restaurant and pro shop.
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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 | $164,800 | $164,800 | $164,800 |
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 | 7.477% | 7.055% | 6.256% |
Monthly Tax Payment | $243 | $243 | $243 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,096 | $1,083 | $1,390 |
Total Monthly Payment | $1,414 | $1,401 | $1,708 |
* 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.