Darling 2 bedroom, 2 bath home located in the desirable community of Spruce Creek South -- A truly gated neighborhood -- Close to shopping, restaurants, doctors' offices, and The Villages® -- ROOF replaced 2021 -- Electric Water Heater replaced 2021 -- The Covered and Screened front porch makes the home so inviting -- The LIVINGROOM/DINING AREA offers LUXURY VINYL PLANK FLOORING, a new (2024) picture window with custom top-down/bottom-up blinds that looks to front yard – Off the dining area is the Enclosed LANAI -- The KITCHEN was remolded in 2023 -- There are white raised panel cabinets with custom pulls, GRANITE counter tops with cabinet height back splash, there are 6 track lights with 1 recessed light above the sink. The sink is a single basin Silgranit Truffle Color with garbage disposal, and a gooseneck faucet and a mounted soap dispenser -- GE French door refrigerator with bottom freezer drawer and upgraded braided water line with ice maker and inside cold water dispenser (2023) Frigidaire front control electric flat top oven/stove with steam clean (2023) Bosch dishwater, SilencePlus with hidden controls (2019) and GE Hotpoint mounted microwave (2023) -- The OWNERS' bedroom has LUXURY VINYL PLANK FLOORING, new windows (2024) with custom top-down/bottom up blinds – The ensuite owners bath offers QUARTZ counter top with undermount sink and makeup area with luxury vinyl plank flooring – There is a walk- closet with extra wire shelving – There are grab bars in the shower and commode area, the flooring is tiled – The GUEST WING – luxury vinyl plank flooring is in hallway and guest bedroom – The guest bath has 12x12 tiled flooring, single vanity with QUARTZ top and an upgraded faucet, there is a tub/shower combo with tiled walls and 2 grab bars – The 1 car garage has a ceiling fan with attic access – The Whirlpool WASHER AND DRYER will convey with the sale of home – The exterior features of the home include, a rear painted concrete patio, gutters and downspouts, landscaping with mulch, private mailbox – The home is being sold TURNKEY – NO BOND, NO CDD
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Our Executive Mortgage Banker:
Our Insurance Division:
$225,000
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 | $180,000 | $180,000 | $180,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.483% | 6.273% | 5.268% |
Monthly Tax Payment | $103 | $103 | $103 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,094 | $1,094 | $1,422 |
Total Monthly Payment | $1,272 | $1,272 | $1,600 |
* 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.