This Charming 3 Bedroom/2 Bath Home in Joanna Shores has been Lovingly Lived in for 39 years!! You can have LAKE ACCESS with POA membership ($175/year – not mandatory, also includes the Street Lights). Lake Joanna is Spring fed!! -- Block Home with Steel Siding – 2019 Roof! – 2024 Electric Water Heater! - You will find so many unique features! … This home has a Mother-in-Law Suite (Bedroom 3), Top-Down/Bottom-Up Blinds, Built-ins (some Cedar Lined), Ceiling Fans, Interior Glass Block Windows, Arched Entries, Wainscoting, Chair-rail & Specialty Moldings, and Luxury Vinyl Plank or Tile Flooring – NO CARPETING!! -- Covered Front Porch with Screened Lanai and Screened Rear Patio! – Enter the home via the Lanai into the Library (office/den). The Book shelving is whimsically painted with Detailed Moldings. Interior Glass Block Windows bring light from the Library (office/den) into the Living Room (which features Tiffany-style Sconce Lighting and Large Picture Window to the Front Yard) making this room so enjoyable to receive your Guests -- The Kitchen has an Arched-Pass-Thru from the Living Room with All-in-One SOLID SURFACE Counter-top with Gooseneck Faucet, Window over Sink, Eating Space in Kitchen, Cedar Lined Pantry Closet, Recessed Refrigerator, Mounted Microwave, Dishwasher & Electric Range. – The Primary Bedroom & Bedroom 2 have Built-in Wardrobes (Cedar Lined), Built-in Dressers with Overhead Lighting & Built-in Overhead Storage Cabinets, Luxury Vinyl Plank, Windows and Ceiling Fans. – The Hall Bathroom has Tile Flooring, Tile-topped Vanity, Porcelain Tub with Shower (with 2 Grab Bars), and Frosted-Glass Double-Hung Window. – Bedroom 3/Mother-in-Law suite has exterior doors to Front Driveway, and Rear Porch. Laundry Closet with Whirlpool Washer & Dryer, Water Heater Closet, Attic Access, Built-in Closet, Built-in Storage and En Suite Bath. Bathroom 2 has Upgraded Tile in the Step-in Shower (with Grab Bar & Handheld Sprayer), Shower Floor, and Bath Floor. This Bathroom has a Built-in Medicine Cabinet, Pedestal Sink, and Frosted-Glass Double-Hung Window to Screened Rear Porch. – The Rear Porch is Block & Screened with Corrugated Roof and Plumbed for a sink. – Backyard with a Storage Shed, Drain field (for 2 Baths, and Washer), and Trees. – There is also a small drain field in front for the Kitchen Sink. – This GEM of a home will not last long! Don’t miss your chance to be a resident of Joanna Shores and Enjoy Lake Access with your POA membership!
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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 | $194,000 | $194,000 | $194,000 |
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 | $51 | $51 | $51 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,291 | $1,289 | $1,663 |
Total Monthly Payment | $1,417 | $1,415 | $1,789 |
* 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.