Premium and Private Conservation Lot with Water View in Gated Community. Discover the beauty of maintenance-free living in Cross Creek, a gated community located in East Lake Woodlands, Oldsmar. This stunning 1-story home features 2 bedrooms plus a den (or potential 3rd bedroom), 2 baths, and a 2-car garage. The interior features an open floor plan with lots of natural light, large kitchen with eat-in area, tons of cabinets, pull-out drawers, granite countertops, tile backsplash, GE graphite appliance package, engineered wood flooring, newer ceiling fans, 2-panel interior doors, volume ceilings with double crown molding, LED recessed lighting throughout and custom zebra sheer window treatments on windows and sliders. Property also features an inside laundry room with a full-size Samsung washer and dryer (2021).
The primary bedroom is spacious with plenty of room for a sitting area, 2-walk-in closets with closet systems, also featuring an en suite bath with walk-in shower and dual sink vanity. Outdoor Living: Relax on the covered lanai with breathtaking views of nature; windows can be opened for fresh air or closed for comfort. Upgrades to include: Roof 2020, A/C 2019, newer water filtration and softener by Pentair, newer water heater and new impact-rated garage door with WiFi garage door opener. Exterior painted August 2023. Community amenities include walking distance to community pool with golf, racquet and social memberships also available. The community is centrally located close to parks, shopping, restaurants, movie theaters, beaches, schools, hospitals, bike trails and an easy commute to airports. Minimal flood insurance required with NO damage to the property in the most recent storms. Ring camera/security system and garage upper racks do not convey.
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Our Executive Mortgage Banker:
Our Insurance Division:
$500,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $400,000 | $400,000 | $400,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.708% | 7.133% | 6.256% |
Monthly Tax Payment | $482 | $482 | $482 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,763 | $2,659 | $3,373 |
Total Monthly Payment | $3,337 | $3,233 | $3,947 |
* 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.