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Tucked away in the vibrant heart of Spruce Creek Preserve, this lovingly maintained 2-bedroom, 2-bath Chestnut II model offers an easygoing lifestyle in one of Central Florida’s most welcoming gated 55+ golf communities. Positioned on a desirable corner lot with a beautifully landscaped yard, this home invites you to slow down, and settle in. Inside, the home is light and bright with a split-bedroom floor plan that spans just under 1, 500 sq ft of space. Durable and elegant porcelain tile flooring runs throughout, ensuring easy clean-up and less fuss. The kitchen is thoughtfully appointed with plenty of cabinet and counter space, a charming eat-in nook, and a great location with easy access to both the formal dining area and living room. The primary suite is warm and inviting, with a large layout, a large walk-in closet, and a private en-suite bathroom with lots of storage, plenty of counter space, and a glass-door shower The sun-drenched Florida Room, fully enclosed and climate-controlled, expands your living space and provides the perfect spot for morning coffee, quiet reading, or hosting friends for evening chats. Out back, the large backyard is fully fenced, making it a great space for furry friends to enjoy in peace. Additional highlights include a 2021 roof and a 2-car garage with plenty of room for your golf cart. Spruce Creek Preserve offers a variety of amenities for residents to enjoy year-round, including access to the clubhouse, fitness center, heated community pool, tennis courts, and scenic nature trails. Golf enthusiasts will appreciate being part of a golf cart-friendly community that centers around a beautifully maintained course. Located just minutes from shopping, restaurants, medical facilities, and the natural beauty of the Withlacoochee River and Ross Prairie Trailhead, your options for recreation and relaxation are endless! Whether you're ready to downsize or seeking a seasonal escape, this home delivers comfort, community, and convenience at an exceptional value.
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Our Executive Mortgage Banker:
Our Insurance Division:
$249,500
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
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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 | $199,600 | $199,600 | $199,600 |
| 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% | 6.156% | 5.396% |
| Monthly Tax Payment | $111 | $111 | $111 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,133 | $1,195 | $1,591 |
| Total Monthly Payment | $1,319 | $1,381 | $1,777 |
* 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.