This fantastic 4BR/3BA Palm Harbor home checks all the boxes! Enter through the double front doors to reveal the fantastic open floor plan perfect for entertaining and family time together. The vaulted ceilings, large windows, and French doors out to the pool area create a bright spacious living space with a cozy fireplace, dining area, and breakfast bar that joins the kitchen into the conversations. The beautifully updated kitchen is at the center of the home and overlooks the great room. Kitchen updates include newer stainless-steel appliances, warm wood cabinets, Corian countertops, recessed lighting, and a large walk-in pantry on the other side of the built-in desk/workspace. When it’s time to retire for the evening, the triple split-bedroom floor plan creates privacy for everyone. The spacious primary bedroom retreat is on the opposite side of the home from the other bedrooms and boasts sliding glass doors out to pool area, laminate floors, a walk-in closet, dressing area and ensuite bathroom. The primary ensuite bath boasts a soaking tub, a stand-up shower, and large vanity. On the other side of the home, the second and third bedrooms share the second bathroom with beautiful wood cabinets and vanity, Corian countertop, and a tub/shower with fiberglass tub surround. On the back side of the home is the large fourth bedroom with walk-in closet and the pool bathroom with a stand-up shower. Step outside to the pool area and relax under the covered seating area equipped with sunshades or cool off in the sparking saltwater chlorinator Pebble Tec pool with sitting shelves. The fully fenced-in back yard offers plenty of green space and a storage shed. Other notable features include laundry room with utility tub and door entry from garage, designer ceiling fans, insulated windows, laminate and tile flooring throughout, newer AC (2023), newer roof (2017), and extra wide driveway. Lake Valencia is one of Palm Harbor’s most desirable neighborhoods. Fantastic location near beaches, parks, Lake Tarpon, and convenient to main travel arteries for easy commute to Tampa, Clearwater, and St. Petersburg. Don’t let this one get away. Schedule your private tour today! Back on the market due to financing. ****Offering a 1% rate reduction for first 12 months at no cost when you use our approved lender. ****
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $519,920 | $519,920 | $519,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.708% | 7.133% | 6.256% |
Monthly Tax Payment | $249 | $249 | $249 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,591 | $3,456 | $4,385 |
Total Monthly Payment | $3,932 | $3,797 | $4,726 |
* 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.