Welcome to your Florida oasis in the picturesque MiraBay community, where waterfront living meets everyday convenience. This Key West-style home offers the perfect blend of coastal charm and practicality, making it ideal for those who love kayaking, paddle boarding, jet skiing, or cruising the bay in your 17-foot Boston Whaler or Grady-White—all from your private dock.
Inside, the home features 4 bedrooms, an office/den, a spacious loft, and 3. 5 bathrooms, offering plenty of room for both relaxation and entertaining. The first-floor master suite is a serene retreat with direct access to the screened-in pool and lush landscaped yard, which includes large side yards and a fenced, turfed area with planter boxes—perfect for gardening or play.
The heart of the home is the chef’s kitchen, equipped with stainless steel appliances, which opens to a light-filled living room. French doors lead you out to the expansive covered patio and backyard, creating a seamless indoor-outdoor living experience. Recent updates, including a new roof (2022), HVAC (2023), and solar panels (2024), ensure this home is as efficient as it is beautiful, helping to keep energy bills low.
Upstairs, you’ll find three additional bedrooms, a Jack and Jill bathroom, another full bathroom, and a versatile loft space, providing ample space for family or guests. While the home has been meticulously maintained, it also offers the opportunity for light cosmetic updates, allowing you to personalize it to your taste.
MiraBay is known for its resort-style amenities, including a clubhouse, fitness center, swimming pool, tennis courts, and scenic walking trails. With its golf-cart-friendly streets, low annual HOA fees ($157/year), and a vibrant, social community, this neighborhood offers the best of Florida living at a reasonable price.
Additionally, this property comes with a LOW ASSUMABLE flood insurance policy at just $843/year—saving you thousands compared to a new policy (quoted over $7K a year!). For added value, the seller is offering a PREFERRED LENDER INCENTIVE: up to $7, 650 in closing cost credit or rate buy down with their preferred lender.
This home is perfect for those seeking a well-built, well-maintained residence with room for personal touches. Whether you're relocating from a colder state, looking for a vacation retreat, or simply yearning for the water-front Florida lifestyle, this MiraBay gem is ready to welcome you home!
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William Raveis Mortgage, LLC
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $779,920 | $779,920 | $779,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.250% | 6.000% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.371% | 6.348% | 6.182% |
Monthly Tax Payment | $1,209 | $1,209 | $1,209 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,739 | $4,802 | $6,581 |
Total Monthly Payment | $6,040 | $6,103 | $7,882 |
* 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.