305 Morningside DRIVE, Palm Harbor, FL, 34683 | $860,000

Experience the epitome of luxurious waterfront living in this exquisite DREAM Boater's Paradise in Palm Harbor, Florida. With an assumable mortgage of $407, 700 at an incredibly low rate of 2. 625% and 27 years remaining, this is a rare opportunity to secure an enviable interest rate. Nestled on deep Gulf waters, this beautifully appointed residence features 3 spacious bedrooms and 2 tastefully renovated bathrooms. As you step through the front door, be captivated by breathtaking water views that grace every corner of the home.
The gourmet kitchen is a chef's delight, equipped with stainless steel appliances, a wine cooler, and a large island adorned with granite countertops, seamlessly flowing into a grand family room. An extended living space awaits beyond, perfect for a formal dining area or a serene sitting area. Additionally, an enclosed patio offers potential for further expansion, enhancing your living space.
Elegant recessed lighting illuminates the home, while the second large bedroom boasts an en suite layout with a washer and dryer cleverly concealed behind elegant barn doors. Please note, this room does not feature a dedicated closet.
Modern conveniences include a new tankless water heater, a roof installed in 2017, and a one-car garage. Boating enthusiasts will revel in the 70 feet of seawall, featuring three lift options: two Davits for jet skis or boats and a 20, 000 lb. boat lift with reinforced dock pilings, complete with water and electricity. The property also includes a superb dock and a filet table for preparing your fresh catch. To top it all off there are no bridges! Bring your golf cart and embrace the Florida salt life in this stunning home. Don’t miss the chance to own this slice of paradise. Call us today to schedule your private showing.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 70 x 100
  • Laundry: Inside
  • Style: Coastal
  • Year Built: 1959
  • Garage: 1-car Driveway, Garage Door Opener, On Street
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,310
  • Acreage: 0.16
  • Lot Size: 70 x 100
  • Est. Taxes: $6,482
  • Lot Desc: Flood Insurance Required, In County
  • View: Water
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Trash Compactor, Wine Refrigerator
  • MLS#: U8246254
  • Days on Market: 105 days
  • Website: https://www.raveis.com
    /prop/U8246254/305morningsidedrive_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 9/28/2024 11:32:18 PM)
Listing courtesy of EXP Realty LLC   Phone: 888-883-8509

William Raveis Family of Services

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888.699.8876

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

305 Morningside DRIVE, Palm Harbor, FL, 34683

$860,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $688,000 $688,000 $688,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.371% 6.372% 6.182%
Monthly Tax Payment $540 $540 $540
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,236 $4,236 $5,806
Total Monthly Payment $4,868 $4,868 $6,438

* 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.