2231 Spruce LANE, #B, Palm Harbor, FL, 34684 | $242,500

Welcome to your new home in the highly sought-after 55+ community of Highland Lakes in Palm Harbor, where a maintenance-free lifestyle awaits. This beautifully updated, move-in-ready condo offers a blend of comfort and style, featuring two spacious bedrooms and two baths, along with the convenience of a one-car garage. The primary bedroom serves as a peaceful retreat with a generous walk-in closet and a remodeled ensuite bathroom. For added comfort and security, both bedrooms are equipped with hurricane windows and plantation shutters. You’ll also love the all-season Florida room, perfect for unwinding and enjoying the serene surroundings in any weather. Highland Lakes provides an exceptional lifestyle, offering a wide array of amenities and activities designed to keep you active and engaged. Residents enjoy access to three private 9-hole executive golf courses with unlimited free play, along with a practice putting green and driving cages to perfect your game. The vibrant clubhouse is ideal for social gatherings and features a great room and a professional kitchen. There’s also a library with computer stations, meeting rooms, and spaces for cards and billiards. For those with creative passions, the annex building includes areas dedicated to crafts, painting, and woodworking. To stay fit, you’ll find an Olympic-sized pool, spa, pickleball and tennis courts, bocce, and shuffleboard. The Lodge, located on Lake Tarpon, offers a fishing pier, private boat ramp, and free RV and boat storage in a secure lot. Living in Villa Condo I, one of the most desirable communities in Highland Lakes, means that your monthly fee covers water, sewer, trash, building insurance, exterior and grounds maintenance, roof (2023), cable TV, and pest control. Conveniently located near a variety of restaurants, beaches, parks, and the attractions of Tampa Bay, Highland Lakes offers everything you need to live your best life.

Features

  • Heating: Electric
  • Cooling: Central Air
  • Levels: 1
  • Amenities: Clubhouse, Fitness Center, Golf Course, Maintenance, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Tennis Court(s)
  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: In Garage
  • Complex: VILLA CONDO I
  • Year Built: 1978
  • Approx Sq. Feet: 1,000
  • Est. Taxes: $3,221
  • Condo Fee: $586 Monthly
  • Lot Desc: Corner Lot, Cul-De-Sac, Landscaped, Sidewalk, Street Dead-End
  • View: Trees/Woods
  • Adult Communities: Yes
  • Pet Policy: No
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8301602
  • Days on Market: 5 days
  • Website: https://www.raveis.com
    /prop/TB8301602/2231sprucelane_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 9/19/2024 3:35:02 AM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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2231 Spruce LANE, #B, Palm Harbor, FL, 34684

$242,500

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 $194,000 $194,000 $194,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 5.990% 4.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.470% 6.161% 5.248%
Monthly Tax Payment $268 $268 $268
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,179 $1,162 $1,533
Total Monthly Payment $1,522 $1,505 $1,876

* 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.