This move-in ready 1986 2 bed/2 bath home with large screened lanai has recently been remodeled. With 1, 300 sq. ft. , this home is on a large corner lot and is close to the community waterfront park and dock to enjoy the manatee and dolphin. 2024 upgrades include new drywall throughout painted in neutral colors, new windows and doors throughout, new screens in lanai which features vaulted ceiling, totally remodeled kitchen with new stainless appliances, cabinets, Quartz countertops, large island, lighting and plumbing; baths feature new showers with glass doors, sinks, Quartz countertops, comfort heigh toilets and plumbing; new wide-plank luxury waterproof vinyl flooring throughout and new subflooring where needed; new vapor barrier to protect the subflooring and provide additional insulation; new utility room with wall of closets and new washer and dryer; 2 large bedrooms with walk-in closets, and all new lighting throughout. Roof over is newer and was inspected. HVAC system is 2013 and water heater is 2006--both have been inspected. Furniture is not included in price. Home is located in highly desirable Americana Cove, a 55+ waterfront community located only 10 mins from popular downtown St. Petersburg, 15 mins to two airports and 20 mins to beautiful beaches. Ride your bike along First St to downtown and enjoy restaurants, shopping and events without having to park a vehicle. Low monthly maintenance fee of $360 includes heated pool, remodeled fitness center, clubhouse, two boat ramps, 24 hr manned gate, private streets, seawall maintenance, water/sewer, trash pick up and lawn. Price includes share for the lot and ownership in the co-op. Proof of funds or lender pre-approval with contract. Home is located in the area where two indoor cats or an emotional support dog are welcome. This is the affordable maintenance-free dream home you've been waiting for!
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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 | $212,000 | $212,000 | $212,000 |
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 | $101 | $101 | $101 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,288 | $1,288 | $1,675 |
Total Monthly Payment | $1,464 | $1,464 | $1,851 |
* 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.