This impressive Oldsmar bungalow has distinctive curb appeal and charm with an oversized paver driveway, 3 bedrooms, 2 baths and a large tropical wonderland backyard setting for the entire family. Laminate floors throughout; new lights fixtures; ceiling fans throughout. Open floor plan with 12. 8 x 18. 7 living room featuring shiplap accent wall adjoining 9. 9 x 6. 8 dining area and 9. 9 x 9. 1 kitchen featuring white shaker cabinets, quartz countertops, all new stainless steel appliances and tile/glass backsplash. Split bedroom plan has primary bedroom 17. 9 x 10. 3 with ensuite featuring tumbled marble tile shower and single glass door, new single bath vanity and commode, 11. 7x4. 11 walk in closet with barn door, built-in shelving and double french doors to access the outdoor rear screened porch. Second bedroom is 9. 3 x 10. 2 with spacious wall closet and half of garage is converted into a third bedroom/study/office/den 10. 2 x 12. 11 with slate looking ceramic tile floor, laundry closet, clothes closet and double french doors to the side yard paver walkway to front or rear yards. Hall bath directly across from the 2nd bedroom with subway tiled tub/shower combination, single vanity and medicine cabinet. Half garage 10. 2 x 9. 2 currently being used for storage and a workout room. Hot water heater 2018, HVAC 2015; 5 new windows and 2 doors in 2016; 3/4 reclaimed water meter 2013, oversized paver driveway 2013, enclosed backyard wood 6 foot fence with gates 2013; roof 2008. FLOOD INSURANCE IS $762 annually and current flood insurance policy can be assumed by the buyer!!! The property had NO issues during the last two hurricanes. RE OLDS PARK waterfront with pier and playground, dog park, trails and more are less than a mile away. Properties at 308 Congress Street and 309 Congress Street are under renovation. All room sizes have been rounded in the description below. No issues with the residence from either of the hurricanes.
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Our Executive Mortgage Banker:
Our Insurance Division:
$382,500
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 | $306,000 | $306,000 | $306,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.655% | 7.146% | 6.276% |
Monthly Tax Payment | $211 | $211 | $211 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,087 | $2,034 | $2,581 |
Total Monthly Payment | $2,373 | $2,320 | $2,867 |
* 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.