Under contract-accepting backup offers. ST PETE WATERFRONT OASIS SPARED FROM MAJOR DAMAGE IN HURRICANES HELENE & MILTON | This home was spared from extensive damage from the recent hurricanes. During Helene, the home had some water intrusion that did not rise above the baseboards inside the home. The flooring that was impacted has been removed including the baseboards, dried out, treated with antimicrobial, and replaced with new LVP and new baseboards where water touched these items. Additionally, the owner filed no claim on the property offering a clear conveyance of property. This exquisite gem located in coveted Waterway Estates is the perfect blend of coastal living which is perfect for boating, biking, running with an amazing proximity to downtown St Pete which is just a short 10 minute drive. This home features a range of recent upgrades for enhanced comfort and security. New upgrades and updates include: 2023 PGT energy-efficient windows, solid core doors, and Kevlar fabric hurricane shutters from 2018. Additionally, there’s a comprehensive water filtration system throughout the home and motorized blinds in the primary suite to let the sun shine in without taking a step out of your bed. The new hot water heater and newly wrapped dock pilings ensure reliability for years to come. The primary bedroom received new flooring in 2020, with the guest bathroom also being updated in 2020. Other recent updates include a new HVAC unit in 2022, a new pool pump in 2018, a new chlorinator in 2024, and two new boat lift motors. Nearly all new fans and lighting have been installed along with a convenient walkway that easily aids getting all the gear down to the boat for a day on the water. Move right in with a freshly painted interior and enjoy this split floorplan as well as an open concept family/dining area with a built-in dining nook with additional storage contained within that's great for both meals overlooking the water and entertaining. As an added bonus, you have a sunroom which overlooks the water and the crystal clear, blue pool, which can be leveraged as an office, formal dining room or a sitting room for cozy days reading a book with a cup of coffee. The kitchen is perfection with sleek granite countertops, custom cabinetry, an expansive chef's island, crown moulding, and all stainless steel appliances. The bedrooms are set up for ultimate privacy, with the primary bedroom offering a dramatic ensuite bathroom with dual sinks, walk-in shower and a huge walk-in closet. The french doors let in tons of natural light and provide direct access to the beautifully landscaped backyard complete with a saltwater pool and deck. The backyard steals the show. Picture yourself lounging by the saltwater pool on a hot Florida day, or firing up the grill for a summer BBQ. The yard is fenced for privacy and beautifully landscaped - it's like having your own private oasis with a fully ensconced pool area with full foliage surrounding the pool. For the boating enthusiasts, there's 75 feet of waterfront with a dock and a 10, 000 lb lift. You'll have direct access to all that Tampa Bay has to offer - perfect for those who love life on the water at this incredibly affordable price. Notable elements for life by the water: Elevation of this home is 9ft per the elevation certificate and the annual transferable flood policy is $3, 600 per year. Annual homeowners insurance is $3, 600 per year for current owner.
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William Raveis Mortgage, LLC
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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 | $636,000 | $636,000 | $636,000 |
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 | $1,112 | $1,112 | $1,112 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,231 | $4,227 | $5,453 |
Total Monthly Payment | $5,435 | $5,431 | $6,657 |
* 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.