Welcome to a piece of Paradise in the neat little Hernando Beach Waterfront Community. AND if you like to entertain then this is the home for you. 2 story stilt home on a lot and a half at Hernando Beach with plenty of room for your RV or boat or to add a swimming pool. . Enter the home through double glass doors into the foyer and then into the great room where sliding glass doors lead to a large deck on the second floor with water views and room to entertain. The home has an open floor plan with lots of tile floors for easy cleaning except the master bedroom has an engineered wood floor. Kitchen has granite counters and cherry cabinets. All bathrooms have been updated. The great room has a Cathedral ceiling and plantation shutters, the dining room has a bay window and plantation shutters. 2 guest bedrooms and laundry room also have plantation shutters. An Inside laundry room has a tub and shelving and a storage cabinet. Ceiling fans in all bedrooms, kitchen, master bath, and laundry room, . The Master bedroom and two of the guest bedrooms and the Game room also come with TV's already installed. The Master Bathroom has dual sinks, marble counters and a large walk in shower with dual shower heads, plantation shutters and a ceiling fan. There is a walk in closet in the master bedroom and sliding glass doors look out to the garden room and the deck beyond. The downstairs game room is perfect for entertaining with pool table and bar, a Fenced yard and a dock to keep your boat. The garage has room to store many things, plus there is an outdoor storage shed. In the Game room the Pool table, red leather couch and bar stools all convey to new owners. New Roof 2013, new AC 2005, new water heater 2023 and freshly painted inside. Sprinkler system to keep your grass looking green and healthy. Hurricane Shutters. 30 AMP RV hook Up on South side of house. The Avocado Tree, and Olive Tree produce amazing amounts of fruit. AE flood zone so cheap flood insurance of $667. 00 per year, and the policy is transferrable. NOTE: HOA is a voluntary membership for $35 per year. This gives a monthly magazine, The Beachcomber, which has interesting local facts. There is a monthly meeting held at the Hernando Beach Yacht Club with a guest speaker. The purpose of the Property Owners Association is to unite the property owners of Hernando Beach. They have several functions a year including an Ice Cream Social.
Owners of this home are offering owner financing:
15% down
5% Interest
30 year amortization
3 year balloon payment.
Owners both hold active Florida Real Estate Licenses.
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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 | $479,920 | $479,920 | $479,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 7.125% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.945% | 7.282% | 6.538% |
Monthly Tax Payment | $196 | $196 | $196 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,274 | $3,233 | $4,115 |
Total Monthly Payment | $3,562 | $3,521 | $4,403 |
* 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.