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Beautiful land owned 3bd/2ba home located on a very private lot at the end of a cul-de-sac. Both water and green space views, making this a perfect location. This home was the model home for Ridgewood Oaks developers, which features a one-of-a-kind interior floorplan with many upgrades in every room. New AC unit and stabilizing tie downs were recently added. The carport awning and driveway have been expanded for multiple cars. The huge lanai is air conditioned, with newly installed tile flooring, making this a great year-round room to enjoy your morning coffee and the peaceful views of the water. An amazing kitchen awaits the new owner with custom cabinets, upgraded appliances and lots of counter space. The home features gorgeous laminate flooring and has new windows throughout. Both bathrooms have been completely remodeled with custom walk-in showers, cabinets and flooring. Walk-in closets are large and will provide lots of additional storage. Owner just installed new water heater (12/16/25). Too many upgrades to mention. Ridgewood Oaks is a 55+ community with 24-hour gated security. Low monthly HOA/Condo fees which includes lawn maintenance, trash pick-up, Spectrum cable and internet. Golf cart and small pet friendly, the Oaks has lots of community activities for everyone to enjoy. Close to I-75, the Ellenton Outlet Mall, restaurants, banks, medical and the Manatee County Library. Ridgewood Oaks has everything you will need. Make an appointment to see this home today! It won’t last long!
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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 |
|
|---|---|---|---|
| Loan Amount | $230,320 | $230,320 | $230,320 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.360% | 6.304% | 5.648% |
| Monthly Tax Payment | $147 | $147 | $147 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,308 | $1,399 | $1,867 |
| Total Monthly Payment | $1,530 | $1,621 | $2,089 |
* 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.