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One or more photo(s) has been virtually staged. This renovated 2-bedroom, 2-bath waterfront home offers direct Gulf access from a deep water canal in Hernando Beach, Florida. Built in 1980, the home features a split floor plan with 1, 254 square feet of living space and sits on a 0. 17-acre corner lot near the end of the waterway, which helps reduce passing boat traffic. No HOA or CDD is required, and vacation rentals are permitted per seller. The main living area includes a large picture window with water views and sunset exposure. The kitchen and both bathrooms have been updated with shaker-style cabinets, granite countertops, and stainless steel appliances. Additional updates include luxury vinyl plank flooring in the bedrooms, updated lighting and ceiling fans, new interior doors and baseboards, added insulation, fresh interior paint, and no carpet throughout. Outdoor features include approximately 80 feet of waterfront with a seawall and a smaller floating dock. The dock does not have electric or water service. Additional features include a screened lanai, fenced backyard, concrete patio, fire pit, picnic table, and a driveway that fits up to three full-size vehicles. The roof was replaced in 2025, the AC system in 2024, and the water heater is approximately seven years old. The home is served by county water and sewer. The property is located in Flood Zone AE, and flood insurance is required. Flood insurance is reported to be transferable. Located minutes from Highway 19 with access toward Tampa, St. Petersburg, and Tampa International Airport. Buyers should verify flood insurance details, rental guidelines, and intended use.
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$399,000
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
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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 | $319,200 | $319,200 | $319,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $224 | $224 | $224 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,763 | $1,888 | $2,545 |
| Total Monthly Payment | $2,062 | $2,187 | $2,844 |
* 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.