Beach life without the beach price! This lovely home is 3 blocks from the water and a short 15 min walk to Indian Rocks Beach. It is about as close to the beach as you can be without spending millions. BUT NO FLOOD INSURANCE REQUIRED! Nestled atop a natural rock ridge 45 feet above sea level, this gem needs no flood insurance, and is in a non-evacuation zone - an incredibly rare find near the beach! This coastal farmhouse offers unparalleled charm and functionality. Step inside to discover beautiful custom woodworking adorning every corner, accentuating the home's coastal allure. Boasting 5 bedrooms and 2. 5 baths, including a convenient attached Mother-In-Law suite with its own separate entrance, this residence offers versatility and potential for additional income through Airbnb rentals. The master suite featuring a beautiful en-suite bathroom and a private office is ideal for remote work or relaxation. The kitchen is a chef’s dream with a convection double oven, granite countertops and convenient Rev-A-Shelf pull outs. Start your mornings with a tranquil cup of coffee in your private courtyard, or retreat to the fully fenced backyard adorned with a pre-planted, picturesque spice and vegetable garden, ready for your enjoyment. Surrounded by natural preserves, you'll have easy access to two stunning parks overlooking the intercoastal waterway. The second driveway leads to a spacious backyard with plenty of room for large RV and boat parking and with plenty of space to build a garage and a pool. There’s NO HOA! The neighborhood marina also offers dry dock space for boats up to 35 feet and is just a two-minute walk from the house. Don't miss out on this unique opportunity to live the beach life to the fullest. Schedule your showing today and make this coastal retreat your own!
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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 | $639,920 | $639,920 | $639,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6..375% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.945% | 7.133% | 6.623% |
Monthly Tax Payment | $361 | $361 | $361 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,365 | $4,253 | $0 |
Total Monthly Payment | $4,818 | $4,706 | $453 |
* 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.