You will feel right at home in this spacious and comfortable home located in the serene, gated 55+ community of Spruce Creek South. This lovely home has many upgrades, PLUS solar panels (owned), making utility bills insignificant!! As soon as you arrive, you will appreciate the well-manicured yard w/newer landscaping. Upon entering, you will notice the open-air plan with vaulted ceilings. Plantation shutters and luxury vinyl plank flooring flow throughout the main living area. The kitchen boasts granite counters, soft closing cabinets, and newer stainless appliances. The split floor plan offers privacy for your guests w/2 good sized bedrooms and the guest bathroom has been updated with a new vanity and reglazed tiled tub/shower. The Primary is a haven for relaxing with a high ceiling and a large walk-in closet. The Primary bathroom has a granite countertop with dual sinks, reglazed tiles in the shower, a new glass surround, and a new toilet. The enclosed lanai adds an additional 240sq. ft (about twice the area of an apartment bedroom) of living space with cut stone tile flooring, double-paned easy tilt-in windows (replaced in 2019/2020), blinds, and an a/c unit for year-round enjoyment. In addition to the enclosed lanai, there is a 12X12 screened-in room for enjoying peaceful, quiet mornings and evenings (includes a new barbecue grill, teak table, and chairs) plus a covered 12x7 patio w/outdoor utility sink for you gardeners! The living room furniture, as well as the desk in the office, will be included in the sale, as will a brand-new washer/dryer. Full two-car garage with new opener and slide screens. HVAC (2019); roof replaced in 2010. The must-have quiet location is close to shopping and just around the corner from the Community Center, heated pool, sauna, hot tub, and fitness room. In addition, this 55+ Community offers many amenities such as an 18-hole golf course, pro shop, restaurant, softball field, dog park, nature trail, pickleball and tennis courts, a variety of clubs to join, dance and exercise classes, social activities, billiards, library and MORE. There is also a boat/RV parking area. CALL SOON for a private showing and your opportunity to own this beautiful piece of paradise!
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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 | $263,920 | $263,920 | $263,920 |
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 | 7.477% | 7.159% | 6.498% |
Monthly Tax Payment | $180 | $180 | $180 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,756 | $1,754 | $2,263 |
Total Monthly Payment | $2,011 | $2,009 | $2,518 |
* 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.