|
This beautiful single-story Rutenberg custom home in the established neighborhood of Spanish Oaks in Palm Harbor perfectly blends comfort, character and thoughtful updates throughout. This home has remained high and dry through the storms-no flooding at all. Offering a split floor plan w/four bedrooms, three baths, a private office, and a flexible bonus area, this home provides 2, 808 square feet of comfortable, beautifully laid-out living space for everyone. Stepping into the foyer there is a large living room to the right and an adjoining additional flex space that could be used as a formal dining room and there is still a large casual dining area with easy access to the kitchen. Just adjacent to the kitchen and family room, you’ll find a flex space that’s perfect for a playroom, bonus room, hobby area, or even a second living space. The large family room features custom shelving & storage, and a custom wood burning fireplace that adds warmth & charm, making it an inviting place to gather. The kitchen is light and bright, completely remodeled in 2023 with a deep stainless steel sink, quartz countertops including a convection oven, microwave, and dishwasher. Seller is offering a $3, 000 credit for a new fridge, washer and dryer. Luxury vinyl plank flooring added in 2022, gives the living room and bedrooms a modern, cohesive feel. The updates continue with a new roof, and gutters in 2023, plus the flat roof has added insulation for lower electric bills. The 3E 18 SEER Air-Com AC system, installed in 2024, comes with a Wi-Fi thermostat and UV light to provide air purification throughout the whole home ensuring clean air with energy efficiency all year long. A 10 year warranty on parts is the icing on the cake. A water softener was added in 2024. The entire house was re-piped in 2021, and that same year, the yard was completely fenced with two access gates. The backyard is a private oasis, featuring artificial turf, a koi pond, rain barrels that hold 220 gallons of water, and peaceful sitting areas—perfect for morning coffee or evening get-togethers. The two sheds in the backyard convey with the home for even more storage space. Other updates: pavered driveway, impact resistant windows, newer interior and garage service doors, and a transferable Massey Sentricon system. And of course, location matters. Spanish Oaks is one of Palm Harbor’s most established and desirable neighborhoods and has a community Winter Festival. This home is zoned for A-rated Palm Harbor University High School—one of the area’s top choices for families. From the curb appeal to the smart upgrades and tranquil outdoor living spaces, this home is truly move-in ready and full of warmth and personality. It’s the kind of home where every update has been thoughtfully made, so all you have to do is move in and start enjoying. Nestled along Florida’s beautiful Gulf Coast, Palm Harbor is a highly desirable community known for its small-town charm, top-rated schools, and unbeatable location. Just minutes (approximately 5 miles) from the white-sand beaches of Honeymoon Island, Dunedin Causeway, and Caladesi State Park, this is a relaxed coastal lifestyle with easy access to Tampa, Clearwater, 15 miles to Clearwater Beach, and St. Petersburg. The area features picturesque neighborhoods, scenic parks, and a lively downtown filled with local shops, cafés, and numerous 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:
$559,500
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $447,600 | $447,600 | $447,600 |
| 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 | $359 | $359 | $359 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,472 | $2,648 | $3,569 |
| Total Monthly Payment | $2,923 | $3,099 | $4,020 |
* 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.