Step into the relaxed elegance of coastal living with this beautifully updated 3-bedroom, 2. 5-bath Key West-style home in the heart of Palmetto, FL. With a recent price reduction and a surprisingly low insurance rate, this property is more attainable than ever!
Nestled in a serene, unrestricted neighborhood with no HOA or deed restrictions, this home offers unmatched freedom and flexibility. The extended driveway, complete with a convenient parking pad and a one-car garage, provides ample space for vehicles, boats, or even RVs—perfect for the outdoor enthusiast!
Inside, the open-concept layout creates a warm, welcoming atmosphere. The kitchen, equipped with granite countertops, a breakfast bar, and stainless steel appliances, flows effortlessly into the inviting living room, perfect for both entertaining and everyday comfort. French doors open to a charming deck, extending your living space to a large, fenced backyard, ideal for family gatherings, pets, or simply soaking in the Florida sunshine.
Retreat to the primary bedroom suite, where another set of French doors leads to a private balcony, offering a quiet escape for morning coffee or evening relaxation. The suite also includes a spacious walk-in closet and a luxurious ensuite bath.
Location is key, and this home delivers! With quick access to the Manatee River, Terra Ceia Bay, and Emerson Park Point, you’ll have endless opportunities for boating, kayaking, fishing, and waterfront adventures right at your doorstep.
This coastal gem perfectly balances style, comfort, and convenience. This unique property is not only a home but a lifestyle—especially at this new price point and with such low insurance costs. Don’t miss out on your chance to embrace the Florida lifestyle at its finest!
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Our Executive Mortgage Banker:
Our Insurance Division:
$399,000
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 | $319,200 | $319,200 | $319,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.655% | 7.146% | 6.276% |
Monthly Tax Payment | $244 | $244 | $244 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,178 | $2,122 | $2,692 |
Total Monthly Payment | $2,497 | $2,441 | $3,011 |
* 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.