A peaceful waterfront setting is just one of the great features of this home in the guard- gated Spruce Creek Fly-In community. Thoughtfully upgraded including a new roof in 2017, the comfortable gathering room opens to the kitchen and dining room, providing ample space for relaxation and entertaining. The air-conditioned glass Florida room adds over 300 square feet of additional flexible space and plenty of natural light. The kitchen offers stylish cabinets, granite countertops, a pantry, a breakfast bar and a cheerful breakfast nook. The primary suite is at the rear, and its remodeled en-suite bath boasts a large barrier-free tiled walk-in shower, a toilet room and two walk-in closets. The split floor plan provides privacy, and a built-in wall bed and cabinets in the third bedroom add versatility and functionality. Luxury plank flooring has been installed in most rooms and the Florida room's hot tub is included with the home. The quality of lifestyle found in the friendly Spruce Creek Fly-In community is unmatched. Residents enjoy a multitude of amenities and activities, including a playground, parks, and a small community dock on Spruce Creek waterway for fishing or launching a canoe or kayak. In the community there is a public restaurant, a hair salon, a massage therapist and other business services. The optional membership country club, with various member options, offers even more with tennis, pickleball, golf, fitness facilities, a pool and a private restaurant. Featuring golf-cart friendly streets, patrolling security and on-site management, Spruce Creek Fly-In also has a private 4, 000-foot paved runway with a GPS approach and VASI lights. Conveniently located, it is easy to explore local shopping, dining and entertainment options with quick access to area beaches, water sports, Interstate 95 and Interstate 4. Area universities are close by as are NASCAR facilities. For anyone seeking a wonderful home for the Florida lifestyle, this is it!
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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 | $380,000 | $380,000 | $380,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.490% | 5.490% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.490% | 6.654% | 5.752% |
Monthly Tax Payment | $265 | $265 | $265 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,402 | $2,399 | $3,103 |
Total Monthly Payment | $2,742 | $2,739 | $3,443 |
* 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.