Welcome to Shady Oaks, a resident-owned HOA community with deed restrictions. No lot rent here, you own the land! This spacious 1981 home features 2 bedrooms and 2 baths with a thoughtful split floor plan and numerous upgrades. Hurricane tie-downw installed in 2017, a savings of $6, 000 for buyers. This home had absolutely no structural damage from the recent storms to hit Tampa Bay. The custom baker's kitchen boasts ample storage, soft-close cabinetry, a large built-in pantry with sliding drawers, and an additional pantry closet. Enjoy meals in the formal dining room or cozy breakfast nook. The laundry room is conveniently located adjacent to the kitchen. Retreat to the oversized master bath, which includes a step-in shower and an expansive walk-in closet. The second full bath is conveniently situated off the living and breakfast areas. The second bedroom, located at the front of the house, can be accessed through sliding doors from the living room, making it perfect for an office or craft space. Ceiling fans are installed throughout for added comfort. The property also features three sheds, including a custom-built 12 x 30 shed in the rear. Enjoy central air and heat for year-round comfort! Schedule your showing today.
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Our Executive Mortgage Banker:
Our Insurance Division:
$145,000
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 | $116,000 | $116,000 | $116,000 |
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 | $51 | $51 | $51 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $801 | $771 | $978 |
Total Monthly Payment | $927 | $897 | $1,104 |
* 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.