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Spacious Beachside Beauty in Wilbur By the Sea – Turnkey & Ready for You! Don’t let this one fool you—this home offers far more space than it appears! Nestled in one of the most charming and peaceful beachside communities, this Wilbur By the Sea gem is just two blocks from two beach access points on a no-drive beach. Simply bring your bathing suit and start enjoying the coastal lifestyle! Step inside to beautiful hardwood floors and an open, light-filled floor plan. The main living area, kitchen, dining room, and a full bath are located on the second floor, along with a west-facing balcony—perfect for soaking in spectacular sunsets. With 3 spacious bedrooms (one upstairs and two downstairs), this home offers flexible living arrangements to fit your needs. The lower level, which spans the full length of the home, was originally a garage but has been fully enclosed to provide additional living space. A new roof has been installed on the carport, adding to the home’s value and functionality. Downstairs you'll find two bedrooms (one with a block-style window), a cozy sitting room, a full bath, and a separate laundry area—ideal for a private guest suite, in-law setup, or home office with its own entrance via the carport. Enjoy outdoor living with a low-maintenance yard, outdoor shower, storage shed, gutters, and a partially fenced backyard. Recent updates include a new septic system (Dec 2022), HVAC (2019), all new chrome stops, a new ball valve, and a replaced water main from the meter to the home—providing added peace of mind for the new owner. Additional features include a 600-amp panel box, 4 French drains with pop-ups, new storm doors, and a carport with attached storage. Located just a short 3-minute stroll to the beach and only 8 minutes from the Ponce Inlet Lighthouse, Museum, and public boat ramp, this is true beachside living at its best!
All measurements and information deemed accurate but not guaranteed. Buyers and Realtors are advised to verify.
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NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $471,920 | $471,920 | $471,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.507% | 6.649% | 6.026% |
| Monthly Tax Payment | $167 | $167 | $167 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,906 | $2,980 | $3,919 |
| Total Monthly Payment | $3,165 | $3,239 | $4,178 |
* 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.