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Inviting 2-bedroom, 2-bath home with an attached 14x18 garage, located in the desirable Ridge Harbor community of Punta Gorda and NOT IN A FLOOD ZONE. This light and bright residence features an open floor plan that includes a foyer, spacious great room, well-equipped kitchen, inside laundry, and a screened porch. The great room offers high ceilings, recessed lighting, a ceiling fan, display shelving, space for a dining area, and sliding glass doors that lead to a generous 26x8 screened lanai—perfect for relaxing or entertaining. The kitchen is thoughtfully designed featuring raised panel cabinetry with upper crown molding, granite countertops, suite of appliances including built-in microwave, oven/range, and dishwasher. Additional highlights include a dining nook, island with breakfast bar seating for two, and ample storage. An interior laundry room includes a washer and dryer. The spacious primary suite features a large walk-in closet and a private bathroom with dual sinks, white wood cabinetry, granite countertops, and a walk-in shower. A comfortably sized second bedroom is ideal for guests, and the guest bathroom offers a tub/shower combination with matching white cabinetry and granite counters. The private backyard is an inviting outdoor retreat with a 10x10 paver patio—perfect for summer barbecues. Plenty of room to add your pool. Additional features include hurricane shutters, impact windows, a hurricane-rated garage door, wood-plank laminate flooring throughout, tropical landscaping that includes Fox Tail Palms, Eucalyptus trees, Mango, Orange, Papaya and Ice Cream Banana trees, a koi pond, water treatment system designed to enhance overall household water quality. Ridge Harbor is a community with a voluntary association offering a variety of amenities and activities. Ridge Harbor is a community with a voluntary association offering a variety of amenities and activities. Annual dues are nominal at $35 per family or $25 for a single household, with a $10 marina key fee. Amenities include a clubhouse, holiday socials, an annual neighborhood BBQ, potluck dinners, weekly bingo, and access to Ridge Harbor Marina. The marina, located off US-17 near Shell Creek, features a dock, boat launch, picnic areas, and shoreline fishing (association membership required for access).
Ideally situated just 12 minutes from historic downtown Punta Gorda, residents enjoy easy access to shopping, dining, medical facilities, waterfront parks, boat ramps, fishing piers, walking and biking paths, art galleries, Fishermen’s Village, the Charlotte Harbor Event Center, I-75, and year-round events. This home is ideal for entertaining and makes a wonderful year-round residence or winter retreat.
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$252,000
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 | $201,600 | $201,600 | $201,600 |
| 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 | $214 | $214 | $214 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,113 | $1,193 | $1,607 |
| Total Monthly Payment | $1,402 | $1,482 | $1,896 |
* 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.