For the discerning buyer who appreciates a quality-built home at an affordable price, this beautiful 3 bed/2 bath 1, 512 sq. ft modular home was built in 2023 by Affinity Building Systems, an acclaimed builder of custom factory-built homes. Built to the Florida Building codes and placed on a permanent concrete foundation, the home went through Hurricanes Helene and Milton with no damage. Affinity states the home is built to withstand up to 180 mph winds as it includes hurricane impact windows throughout, a $30, 000 upgrade, and a metal roof with 5/8" roof decking with additional underlayment, a $20, 000 upgrade. Sitting 10 feet high, the home includes a stainless steel electric storage lift in addition to a staircase and porch made of composite deck board. Many high-grade features are found inside including beautiful kitchen with 42" wood cabinets with soft close drawers and doors, granite countertops, stainless steel appliances, 9' flat ceilings throughout with tray ceiling in living room, 5 1/4" crown molding and baseboards, decorator lights, fixtures and ceiling fans throughout, custom 2 1/2" wood-look blinds throughout and luxury waterproof vinyl plank flooring throughout. Tommy Bahama brand furniture is negotiable. Under the home, there is room for 4 vehicles and/or create a screened lanai and shed or enclosed the entire area for a garage--there are many options. Located next to community perimeter fence allows for privacy. Price includes share for the lot and ownership in the co-op. Home is located in popular Americana Cove, a waterfront 55+ community with lots of amenities and close to downtown St. Petersburg (10 mins away), two airports (15 mins away) and beaches (25 mins). The low monthly maintenance fee of $360 includes water, sewer, trash pick-up, lawn mowing, 24 hr manned gate, private streets, seawall maintenance and all amenities including heated pool, clubhouse, new fitness center, billiards, two boat ramps, kayak launch and so much more! Live your retirement in the home of your dreams! Two indoor cats are welcomed!
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Our Executive Mortgage Banker:
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$499,000
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 | $399,200 | $399,200 | $399,200 |
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 | $108 | $108 | $108 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,656 | $2,653 | $3,423 |
Total Monthly Payment | $2,839 | $2,836 | $3,606 |
* 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.