Welcome to your own slice of paradise in sunny Palm Harbor, Florida. This meticulously maintained 3-bedroom, 2-bathroom home (Plus a bonus space!) offers the perfect blend of comfort, style, low maintenance, and outdoor living. Step inside and discover a bright and open floorplan, perfect for nights at home or entertaining. High-quality plantation shutters and hurricane-impact windows provide peace of mind and stylish aesthetics, while upgraded lighting fixtures illuminate your living space. The heart of the home boasts a stunning kitchen featuring beautifully updated granite countertops with ogee edging, and gorgeous cabinets complemented by newer stainless steel appliances. A walk-in pantry ensures ample storage and a reverse osmosis system provides clean, filtered water throughout the entire house. The two guest bedrooms are located in the front of the home with a shared guest bathroom, giving the home a split floor plan. You can unwind in your primary suite, complete with real hardwood floors, and dual walk-in closets with custom shelving. This room is large enough to house a California king bed, plus some! The spa-like ensuite bathroom features quartz countertops, newer fixtures, and a large vanity, perfect for relaxation after a long day. Looking for a space to work from home or entertain guests? Look no further than the versatile flex space in the back of the home, ideal for a home office, playroom, or media room. Step outside and take in the true Florida lifestyle. The sparkling saltwater pool with updated equipment and heater (2019), invites you to cool off and bask in the sunshine. Relax on the patio with a refreshing beverage, or enjoy a dip in the pool with the soothing sounds of the water feature and gaze out onto the conservation space directly behind the home. Ultimate privacy! This home offers complete peace of mind with a new roof (2015), HURRICANE IMPACT windows and doors (2021, including the garage door), and a water softener installed in 2020. White PVC fencing with double gates provides privacy and security to the large backyard space, while gutter guards and landscape lighting with sensors ensure a well-maintained and inviting exterior. The convenience continues with a portable generator with a plug that can stay with the property, perfect for weather emergencies. An irrigation system keeps your front and backyards lush, with scheduled maintenance for your added ease. The oversized 2-car garage is layered with epoxy flooring to add to the lovely storage space in the home and easy maintenance. Looking to move right in? This home can be sold fully furnished, including a brand-new washer and dryer set, for a truly seamless transition. Plus, a wired security system provides an extra layer of protection for your loved ones. Don't miss this opportunity to own your piece of paradise! ** To top it off, even though the lot is in Flood Zone A, we have been told that the actual structure doesn't require flood insurance! **
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Our Executive Mortgage Banker:
Our Insurance Division:
$590,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $472,000 | $472,000 | $472,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.815% | 7.159% | 6.538% |
Monthly Tax Payment | $386 | $386 | $386 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,140 | $3,137 | $4,047 |
Total Monthly Payment | $3,618 | $3,615 | $4,525 |
* 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.