VA ASSUMABLE LOAN AVAILABLE FOR QUALIFIED BUYERS-- Welcome to your spectacular home in the gated Encore at Fishhawk Ranch, Tampa Bay’s premier 55+ community! Nestled on a premium lot with serene lake views and stunning sunsets, this home exudes curb appeal with lush tropical landscaping and craftsman-style details. Step inside to an open-concept floor plan showcasing top-tier upgrades, including plantation shutters, crown and base moldings, surround sound speakers, tankless water heater and custom closets. This beautifully designed home features 2 bedrooms, 2. 5 bathrooms, a versatile den or office, a peaceful courtyard out front and a 3-car rear entry garage. Upon entering, you’re greeted by modern wood flooring that flows seamlessly through the main living areas and bedrooms, creating a warm and inviting atmosphere. The abundance of windows, recessed lighting, solar tubes, and high ceilings flood the home with natural light. At the front, an open flex space can serve as a home office or den features French doors to the front porch. The gourmet kitchen is a chef’s dream, equipped with soft-close wood cabinets, granite countertops, an expansive center island, mosaic tile backsplash, under-cabinet lighting, an upgraded gas cooktop, premium stainless appliances, pantry, and stylish light fixtures. The adjoining great room, with sliders to the lanai, is ideal for both relaxed living and entertaining. Escape to the owner’s suite, a true sanctuary with a tray ceiling, and a spa-like en-suite featuring a dual-sink vanity, a free-standing garden tub, a walk-through super shower, a custom walk-in closet with built-ins, and tranquil views of your private lanai. The generously sized secondary bedroom also offers a large closet and a private en suite bathroom, perfect for guests. Step outside to your expansive covered lanai, ideal for outdoor entertaining. The rear-entry 3-car garage is equipped with high-end custom storage, pull-down attic stairs, and epoxy floors. The HOA fees cover yard maintenance, cable and high-speed internet. The Oasis Club, Encore’s state-of-the-art clubhouse, offers a resort-style heated infinity pool, spa, basketball, pickleball, and bocce ball courts, grill stations, outdoor TVs, a fitness center, card rooms, and much more. A full-time activities director and a packed calendar of events keep the community buzzing. Additionally, owners have access to Fishhawk Ranch West amenities, including The Lake House, community pool, fitness center, and recreational facilities. This is the dream home you’ve been waiting for—don’t miss your chance! View the home virtually with this link: my. matterport. com/show/?m=bLBtbyKkdwz&brand=0
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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 | $479,200 | $479,200 | $479,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.159% | 6.276% |
Monthly Tax Payment | $907 | $907 | $907 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,188 | $3,185 | $4,041 |
Total Monthly Payment | $4,187 | $4,184 | $5,040 |
* 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.