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One or more photo(s) has been virtually staged. Discover the charm of a brand-new waterfront cottage nestled in the exclusive Cottages at Oyster Bayou community in New Port Richey. This stylish 2-bedroom, 2-bath residence offers 706?sq?ft of smartly designed living space—ideal for those who appreciate low-maintenance, upscale coastal living.
Home Highlights
• New construction (2024) with durable block construction, metal roof, instant hot-water heater, and impact-rated windows for peace of mind.
• Open-concept layout featuring luxury vinyl flooring, gourmet kitchen with shaker cabinetry, gas stove, and high ceilings that usher in daylight through the Bayou-facing porch.
• Cozy downstairs bedroom with convenient laundry hookups; upstairs primary suite includes en-suite bath and generous closet.
Community & Amenities
• Waterfront living at its finest: enjoy your private front porch overlooking Oyster Bayou with direct Gulf access and community boat ramp.
• Bright and vibrant neighborhood equipped with a pavilion, firepit, playground, dog park, and more—all designed with the Key West vibe in mind.
• Golf-cart friendly streets and easy access to US-19 for a lifestyle of leisure and convenience.
RV-Friendly Feature
One of the standout perks: the community is RV-friendly, and this home includes a dedicated pad with full sewer and electrical hookups—perfect for RV owners, guests with motorhomes, or even a mobile office setup.
Location Perks
• Just a mile from Green Key Beach, offering sun, sand, and sea just minutes from your doorstep.
• Close proximity to downtown New Port Richey, Sims Park, shopping, dining, and year-round community events.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$397,900
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 |
|
|---|---|---|---|
| Loan Amount | $318,320 | $318,320 | $318,320 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.322% | 6.144% | 5.415% |
| Monthly Tax Payment | $105 | $105 | $105 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,832 | $1,906 | $2,538 |
| Total Monthly Payment | $2,012 | $2,086 | $2,718 |
* 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.