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22 RUTH DRIVE, Palm Coast, FL, 32164 | $314,990
Discover the ultimate Florida lifestyle in this truly unique, move-in ready 3-bedroom, 2-bathroom sanctuary. Tucked away on a spacious, private lot, this single-story home is designed for seamless indoor-outdoor living and offers everything a Florida homeowner desires—without the burden of an HOA.
Step into your own private tropical paradise! This property is a true gardener's delight and entertainer's dream, featuring a massive patio surrounded by mature, lush landscaping for unmatched privacy. The main living area flows effortlessly onto an inviting covered lanai, extending your living space and providing a tranquil retreat overlooking the greenery.
Forget the repair list! This home is equipped with major, high-value updates that offer peace of mind and energy efficiency in the Florida climate. Roof (2024), newer efficient HVAC (2021), impact-resistant, double-pane windows and sliders, plus hurricane shutters for maximum safety and energy savings. Enjoy an updated kitchen with new cabinets (2024) and granite countertops, complemented by stunning, water-resistant Luxury Vinyl Plank (LVP) flooring throughout.
Inside, the open floor plan shines with vaulted ceilings and abundant natural light from skylights, creating a bright, airy atmosphere. The modern kitchen, dining, and family room blend perfectly for entertaining. The primary suite features a walk-in closet and a private en suite with a walk-in shower.
You'll appreciate the low-cost efficiency of the private well and irrigation system maintaining your tropical landscape.
Option to purchase the adjacent, cleared lot (sold separately). This unique opportunity allows for future expansion or simply holding the asset for future equity and investment growth!
This is more than a home, it's the Florida lifestyle you've been searching for.
Features
- Rooms: 8
- Bedrooms: 3
- Baths: 2 full
- Laundry: Inside
- Year Built: 2002
- Garage: 2-car
- Heating: Heat Pump
- Cooling: Central Air
- Approx Sq. Feet: 1,534
- Acreage: 0.23
- Est. Taxes: $3,863
- Pet Policy: Yes
- Appliances: Dishwasher, Microwave, Range, Refrigerator
- MLS#: O6358243
- Days on Market: 66 days
- Website: https://www.raveis.com
/prop/O6358243/22ruthdrive_palmcoast_fl?source=qrflyer
Listing courtesy of Beycome of Florida LLC Phone: 804-656-5007
William Raveis Family of Services
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.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
22 RUTH DRIVE, Palm Coast, FL, 32164
$314,990
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
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 | $251,992 | $251,992 | $251,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.285% | 6.132% | 5.415% |
| Monthly Tax Payment | $322 | $322 | $322 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,431 | $1,509 | $2,009 |
| Total Monthly Payment | $1,828 | $1,906 | $2,406 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388