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2231 Spruce LANE, #B, Palm Harbor, FL, 34684 | $242,500
Under contract-accepting backup offers. This home is located in FLOOD ZONE X, meaning it's not in a designated flood zone, providing added peace of mind. Additionally, it remained unaffected by flooding during Hurricane Helene. ------ 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: 69 days
- Website: https://www.raveis.com
/prop/TB8301602/2231sprucelane_palmharbor_fl?source=qrflyer
Listing courtesy of CHARLES RUTENBERG REALTY INC Phone: 727-538-9200
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
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
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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** | 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 | $268 | $268 | $268 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,291 | $1,289 | $1,663 |
| Total Monthly Payment | $1,634 | $1,632 | $2,006 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388