One or more photo(s) has been virtually staged. Welcome to lake life on the Chain of Lakes, where you'll enjoy no rear neighbors—just the serene beauty of Lake Smart. Bring your water toys and appreciate docking them on your private 294' dock, shared with your neighbor on Lot 34, with no HOA restrictions! Fresh water fishing, sunsets and easy access to the Chain of Lakes. This home is listed below appraised value, offering instant equity upon purchase.
This well-maintained 2-story home, situated on . 34 of an acre, features 4 bedrooms, 2. 5 bathrooms, and 2, 726 sqft of living space (1, 493 sqft on the main floor and 1, 233 sqft upstairs), for a total of 3, 187 sqft. As you arrive, you'll notice the curb appeal with a freshly painted exterior (2024), a screened-in front porch, brick pavers on both sides of the driveway for added space, manicured landscaping, a partially vinyl-fenced backyard for privacy, and security cameras on the front, side, and rear. The roof, water heater, and AC are original from 2016, with the AC unit serviced in September 2024. The home has been treated annually for termites, with a bond application completed in January 2024 and renewal in January 2025.
Upon entering, you're greeted by a long hallway with decorative paneling and natural light pouring in through elegant plantation shutters, all while enjoying stunning views of Lake Smart. Located on the main floor is the spacious primary bedroom with an ensuite bathroom, featuring dual sinks, granite countertops, a relaxing garden tub, a separate shower, and a large walk-in closet. The inside utility room, complete with a 2-year-old GE washer and dryer, offers convenience. The open floor plan seamlessly connects the half bath, kitchen, dining room, and living room, creating the perfect space for entertaining or everyday family life.
The fully updated kitchen is a chef's delight, boasting refaced shaker cabinets with pull-out drawers, a built-in pantry, beautiful level 4 quartz countertops and backsplash, a 36" refrigerator build-out, built-in microwave, stainless steel hood vent, and two-year-old Frigidaire appliances. There's plenty of storage, including under-the-bar space. Luxury vinyl flooring by Mohawk flows throughout the first floor, except for the primary bedroom, which features tile.
The living room offers stunning lake views, a 72-inch fan for comfort, one of a kind tile wall with a built-in electric fireplace and a 80" mounted tv creating a cozy ambiance. Head on upstairs and admire the Revwood flooring that leads you to a spacious loft with a wall build out and a second electric fireplace, along with bedrooms 2, 3, and 4, each with walk-in closets and 5. 25-inch baseboards.
Outdoor living is a breeze on the screened-in back porch, complete with beautifully designed pavers and downspouts for rain management. The expansive yard provides plenty of room for play and relaxation. A public boat ramp at nearby Lake Conine, just 5 minutes away, grants direct access to Lake Smart and other Chain of Lakes for scenic boat rides and breathtaking sunsets. You'll also enjoy nearby restaurants and bars for lakeside entertainment.
Conveniently close to hospitals, shopping centers, and churches. 15-minute drive to downtown for entertainment and dinning, 5 minutes to Willowbrook Golf Course, 5 minutes to Highway 27, 20 minutes to the I-4 corridor, 45 minutes to Tampa and Orlando. Check video out https: //youtu. be/o_VslDIX9lk
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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 | $420,000 | $420,000 | $420,000 |
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 | $280 | $280 | $280 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,655 | $2,652 | $3,430 |
Total Monthly Payment | $3,027 | $3,024 | $3,802 |
* 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.