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Under contract-accepting backup offers. Exquisite Waterfront Townhome in Harbour Island! Experience the best of waterfront living in this elegant, Mediterranean-inspired townhome located within the exclusive gated community of Harbour Island. This 3-bedroom, 2. 5-bath residence features one of the best breathtaking panoramic views of the bay, where you can watch ospreys and dolphins right from your private porch. The interior is a showcase of timeless design, featuring rich hardwood and tile flooring, and a gourmet kitchen with granite countertops and ample space for entertaining. The open-concept layout flows effortlessly through massive sliding glass doors to a screened-in lanai and porch, creating a tranquil retreat for your morning coffee and sunrises or evening sunsets over the water. The activity on the water is a diorama of cruise ships, tankers, and water taxis where 'Shipwatch' truly lives up to its name. This home has been meticulously updated and maintained. Recent upgrades include: 2025: Replaced hardwood and tile floors on the first level, installed new faucets in the master bathroom and kitchen, added new dimmable bucket lights throughout the house, replaced dryer and dishwasher and a dimmer switch to the dining room, replaced the lanai screening and door, completed a full repaint of both the walls and ceilings throughout the home. 2023: Replaced three hurricane-impact windows in the master bedroom, one hurricane-impact window in the second bedroom, and added additional attic insulation. 2020: The air handler and A/C unit were replaced. 2019: The back deck was replaced with Tyvek decking. Life here is effortless, with resort-style amenities and Tampa’s most desirable destinations just minutes away. Enjoy scenic waterfront trails, the Lifetime Premier Gym, and the community's private marina. You can also bike along Bayshore, Davis Islands, and the Riverwalk to popular spots like Armature Works, Ulele, and Waterworks Park, walk to a game or concert at Amalie Arena, or explore the Florida Aquarium and Tampa History Museum. Steps to the bustling downtown on Water Street but return behind the gated community of the upscale South Neighborhood of Harbour Island, from ACTION to Serenity this is truly a one of a kind opportunity. Also enjoy socializing at the best swimming pool on the Island. Blending luxury, comfort, and the vibrant energy of the city, this residence offers a rare opportunity to experience Harbour Island living at its finest. Schedule your private tour today and discover a home where classic design meets the best of Tampa Bay! Age of Roof: 17 years Age of A/C: 5 years Age of Water Heater: 8 years
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Our Executive Mortgage Banker:
Our Insurance Division:
$800,000
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 |
|
|---|---|---|---|
| Loan Amount | $640,000 | $640,000 | $640,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.500% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.533% | 5.794% |
| Monthly Tax Payment | $397 | $397 | $397 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,786 | $3,993 | $5,229 |
| Total Monthly Payment | $4,275 | $4,482 | $5,718 |
* 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.