Spruce Creek South, 55+ Gated Golf Course Community just 2 miles north of The Villages. This 2/2/2 PALM III is the expanded Palm model with features 1, 878 sf of living space. From the tiled floor front porch, enter the open living, dining area, volume ceilings with knockdown finish, elegant crown molding and chair rail. The kitchen is perfect for those who love to cook and entertain, open countertop to the dining room and just the right amount of counter and cupboard space. At the opposite end of the kitchen is a separate dining area and beyond that space is the laundry room with closet storage and and access to the oversized garage which sports 24' depth for longer vehicles. This split bedroom home offers 2 bedrooms, both with walk in closets. The primary bedroom has an ensuite bath, with walk in shower, toilet and linen closet separate from vanity area and walk in closet. French doors open to the Florida room with flooring from the dining room and overlooks a very private fenced rear yard. There is also a pass through window from the kitchen to the Florida room. Just beyond the Florida room is a screened room with elite roofing. The guest bedroom has easy access to the guest bath and offers privacy. This home was built in 2003, the roof was replaced in 2022. . The driveway sports a designer finish with a matching finish on the paved walk way that goes from the drive way to the rear screened lanai door and is covered by roof overhang. This home is also wired for a whole house generator (propane and generator not included). The Community Center, exercise facilities, saunas, dance and exercise classes, social activities, billiards, library are nearby. Access to shopping, physicians, pharmacies, and restaurants! Roof 2022 HVAC 2015. Kitchen Counters: 2024. Hot water tank: 2022. Refrigerator: 2023. Stove: 2024. Inside re-painted in 2022.
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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 | $251,200 | $251,200 | $251,200 |
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 | $295 | $295 | $295 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,671 | $1,670 | $2,154 |
Total Monthly Payment | $2,041 | $2,040 | $2,524 |
* 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.