Rarely available first story condo in Island Village! Discover the charm of this furnished two-bedroom, two-bath end unit condo, ideally located just steps from the sandy beaches of Holmes Beach. Nestled in a private and quiet part of the community, this condo comes with two parking spaces and a large storage area. When you enter the condo, you immediately notice the abundance of natural light shining through all the windows. The enclosed lanai with Phifer weave sunscreen shades offers an additional storage area and views of the peaceful and park-like grounds. The kitchen has easy to maintain Corian counter tops and bar along with Whirlpool full-size stainless refrigerator and full-size freezer. The kitchen includes a breakfast nook and Kitchen Craftmade Cabinetry installed with a pull-out pantry that is perfect for staying organized while prepping and cooking. Newer A/C installed in 2021 and electric meter updated in 2024 as well as new roof 2019 and new exterior paint 2021. The home also includes an osmosis water filtration system. The laundry room has a full-size washer and dryer! The owner's retreat has sliding doors to the expansive enclosed lanai, a large walk-in closet and en-suite bathroom. The second bedroom also has a separate bath perfect for family and guests. The HOA includes cable TV, internet, water, sewer, trash, insurance, maintenance for grounds and exterior, and maintenance of community pool and tennis courts. The maintenance free community of Island Village is across the street from St. Bernard's and boasts two community pools just steps away and two pickle ball/tennis courts. The City of Holmes Beach offers over 20 public beach access points, 12 parks for both recreation and leisure, as well as restaurants and shopping centers. There is also a stop for the FREE Holmes Beach Trolly at the front of the community! Enjoy all that Island Village and Holmes Beach have to offer. Come see this unique property today!
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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 | $496,000 | $496,000 | $496,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 8.011% | 7.171% | 6.538% |
Monthly Tax Payment | $166 | $166 | $166 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,426 | $3,297 | $4,253 |
Total Monthly Payment | $3,684 | $3,555 | $4,511 |
* 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.