This picturesque 2-bedroom, 1-bathroom waterfront property is located on a wide canal in the highly sought-after Harbor Isle. Despite its modest appearance from the street, this house boasts ample room and storage, making it deceivingly spacious. It is move-in ready and offers southern exposure in every room, including the basement. The large windows on the main floor provide stunning water views throughout. Step out from the dining room onto a covered terrace that leads to a gorgeous, large backyard and floating dock-a boater's dream house, perfect for entertaining guests and enjoying coastal living. The oversized park-like yard further enhances the appeal of this home. This home has been lovingly maintained with its original charm while updating areas for current style and ease. The kitchen features a cozy built-in booth with a water view, stainless steel countertops, Waterproof Vinyl Plank Tile Flooring, fresh paint, a new crystal chandelier, gas stove with griddle, dishwasher, and refrigerator/freezer. Hardwood floors run throughout the house, and there are ample closets and pull-down attic storage with light and fan, allowing you to stand in the center. The living room has a working wood burning fireplace, and the bathroom has been updated with a stainless steel countertop, fresh paint, new light fixture, new exhaust fan, and new toilet. Double-paned Energy Star windows with screens are installed throughout the house. The basement is 75% finished with tiled flooring, a walk-in cedar closet, southern exposure & features egress windows in every room. The meter room has all new meters (water, electrical, gas) with automatic shut-off and flood sensor. The utility side is unfinished with ample storage, shelving, a tool bench, a new furnace and hot water heater (2014), French drain, sump pump, and ADT flood sensors. The Energy Star front load washer and dryer with pedestals and two-zone heating for upstairs and downstairs enhance convenience. The roof was replaced in 2014, and the front yard is fenced. The 1-car garage has a new overhead door and steel rear door (2014). The ADT full security and fire system provide great homeowner insurance discounts. Additionally, the dryer vent was recently replaced, and a new chimney sleeve was installed in 2019. Enjoy the essence of coastal living in this charming and updated home in Harbor Isle.
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NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $728,000 | $728,000 | $728,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.750% | 6.375% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.282% | 6.486% | 6.307% |
Monthly Tax Payment | $762 | $762 | $762 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,248 | $4,542 | $6,193 |
Total Monthly Payment | $5,102 | $5,396 | $7,047 |
* 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.