Under contract-accepting backup offers. Looking for the most charming bungalow in Downtown Lakeland? 1133 Ruby St surely fits the bill! Built in 1925 and located on the quaint brick-lined streets of Downtown Lakeland’s Lake Hunter Terrace Historic District, this home has all the charm in the world, just minutes from everything Downtown Lakeland has to offer! Curb appeal that’s truly one-of-a-kind incorporating a picturesque white and black paint scheme, lovely landscaping, and a front porch to die for! Porch swing included! The front door enters into a spacious living room with paint and décor that really brings out the historic charm of the original hardwood floors and beautiful brick fireplace! Fireplace rebricked in 2016. Mitsubishi Ductless Split Unit A/C System added in 2020 brings a comfortable modern convenience to this historic beauty. Perhaps the best interior feature is the incredible kitchen and dining area, full of delightful historic appeal with no shortage of modern amenities! Modern black appliances and cabinets perfectly accent the floors and countertops, and windows all around let in tons of natural light! The laundry area just off the kitchen looks out to your wonderful back yard and a convenient back door leads to the back porch and driveway area. A hallway from the living area leads to the bathroom and two sizable bedrooms, both with lots of natural light and the back bedroom features a walk-in closet. The bathroom is modern, with extensive updates in 2016 including a fully tiled shower. The exterior of the home has so much to offer, including huge front and back porches for entertaining, as well as landscaping designed by Lakeland Horticulturist John King Jr. , featuring fruit trees and flowing plants that attract butterflies. The long driveway off the historic brick streets provides plenty of parking for guests and leads to a one car garage and airconditioned storage room/work shop. This is your chance to be part of the passionate community of historic homeowners in Downtown Lakeland, don’t miss out! Schedule you’re showing today. Back porch deck in 2016. Kitchen remodel in 2017. Updated plumbing in 2017. New electrical panel in 2018. New Roof in 2021. Repainted in 2022. New water heater 2023.
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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 | $236,000 | $236,000 | $236,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.945% | 7.159% | 6.538% |
Monthly Tax Payment | $42 | $42 | $42 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,610 | $1,569 | $2,024 |
Total Monthly Payment | $1,727 | $1,686 | $2,141 |
* 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.