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Nestled among million dollar homes in Harbor Hills waterfront neighborhood; the house on the hill and NO FLOOD ZONE, this home is the best deal in Largo Florida! Solar panels paid in full (installed 2021) keeping the average electric bill just $30/month. New HVAC system 2025 with 10 year warranty! WOW! WHAT ARE YOU WAITING FOR! Additional updates include new ENERGY STAR WINDOWS including a new front door (2024) for added efficiency! HIGH AND DRY in Flood Zone X, meaning NO FLOOD INSURANCE required! Step inside to a naturally bright EAT-IN KITCHEN, featuring granite countertops, a LARGE BREAKFAST BAR, abundant cabinetry, and a large walk-in pantry. The SPLIT BEDROOM FLOOR PLAN includes 3 bedrooms, 2 full baths, and plenty of storage. The primary suite, living area, and kitchen all open directly to a 300 sq. ft. SCREENED PATIO, perfect for entertaining or relaxing in the refreshing Gulf breeze. Enjoy the fully fenced backyard, ideal for pets and your vegetable and fruit garden. Talk about location, Harbor Hills is one of those quiet, established waterfront neighborhoods among million dollar homes (this is your best investment for less than 500k!). Bonus: easy access to beaches, parks, boat ramps, hospitals, shopping, and top-rated restaurants and schools, just 5 minutes from the beach! With an relaxed hoa of only $100/year and short-term rentals allowed, this property is Airbnb-ready and perfect for investors, snowbirds, or full-time residents alike! Highlights: Average electric bill $30/month (paid-off solar), Energy-efficient upgrades (2024 windows + door), NO flood insurance required, HVAC BRAND NEW INSTALLED 2025 WITH 10 YEAR WARRANTY, 5 minutes to the beach. This Harbor Hills gem combines modern updates, ultra-low utilities, flexible rental potential, and a prime coastal location; a rare find, at this price, in today’s market! YOU HAVE TO SEE IT TO BELIEVE IT, CALL TODAY!
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Our Executive Mortgage Banker:
Our Insurance Division:
$497,000
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 | $397,600 | $397,600 | $397,600 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.161% | 6.132% | 5.541% |
| Monthly Tax Payment | $315 | $315 | $315 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,226 | $2,381 | $3,196 |
| Total Monthly Payment | $2,616 | $2,771 | $3,586 |
* 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.