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Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Duplex: Welcome to 1324 Milton Street, a legally zoned duplex ideally situated in the heart of Clearwater, Florida. This solid block property rests on a spacious double lot measuring 100 feet wide by 102 feet deep, featuring a large fenced yard with plenty of room to park an RV, boat, or multiple vehicles. Zoned LDMR (Low Medium Density Residential), the property has no HOA restrictions and is located outside of a flood zone, offering added peace of mind and flexibility for both homeowners and investors.
The duplex consists of two separate units connected by a covered breezeway and a convenient one-car covered carport. The front unit offers three bedrooms, one full bathroom, a generous kitchen with a cozy breakfast nook, and a large indoor laundry room. It also features a new central A/C system installed in 2024 and a roof replaced in 2022. The rear unit provides approximately 650 square feet of living space with a functional layout that includes a private bedroom, separate living room, full kitchen, and a full bathroom with a walk-in shower. Its roof was replaced in 2018, and each unit has its own electric meter for separate utility service.
Both units have been well maintained and are ready for a buyer’s personal touches with a few cosmetic updates throughout. The property’s excellent location places you just minutes from Glen Oaks Park, Crest Lake Park, downtown Clearwater, and the world-renowned Clearwater Beach. Whether you are looking for a multi-generational living arrangement, an income-producing investment, or a property with ample land and versatility, this duplex presents a great opportunity in one of Clearwater’s most convenient and desirable locations.
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Our Executive Mortgage Banker:
Our Insurance Division:
$349,000
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 | $279,200 | $279,200 | $279,200 |
| 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 | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $335 | $335 | $335 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,719 | $1,763 | $2,319 |
| Total Monthly Payment | $2,128 | $2,172 | $2,728 |
* 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.