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25 min to beaches, Qualifies for 1% down loan program if you use our approved lender, 35K+ of aftermarket improvements! 4/3/3 Better than NEW 2023 built. Premium huge 11, 761sf Corner Lakefront Lot ( was a35K upgrade from builder) Aftermarket upgrades include: Premium vinyl & metal fence. Seamless gutters. Your OWN Irrigation well which saves thousands a year on your water bill & keeps your yard looking lush and beautiful! Meticulously maintained. 4 spacious bedrooms & 3 bathrooms including a cabana bath, den, covered patio & a massive 3 car garage. Crown Molding, lighting, backsplash, 3'' Blinds. Waterstone has lots of amenities Community pool, fitness room, playground, sidewalks, volleyball, tennis and pickleball courts. County only property taxes! See supplement for cost of living. Here are the current owners costs for monthly bills: Homeowner Insurance Aprox $1700 a year =$141 a month Electric $210 a month Water $65 a month Internet/Cable $91 a month Hotwire (through community bulk purchase agreement. ) HOA /CDD combined $227 a month Total costs $734. 66 Not included in this estimate are Your principal and interest which vary depending on mortgage product/interest rate and how much you put down. or you Property Taxes that will vary depending on if you homestead or bring homestead portability, disabled exemptions etc. Home was purchased brand new in 2023 for $510, 000 Improvements after purchase list: 1. Irrigation well. $4, 000 (for $300-$400 savings a month in city water) 2. Vinyl & metal Fence. $10, 000 3. Lighting. $ 4, 000 4. Crown molding $ 2, 000 5. Seamless Gutters. $2, 500 6. Landscaping. $ 2, 500 7. Backsplash. $ 1200 8. 3 inch Blinds & Rods. $3, 900 9. Attic Flooring $700 10. Garage door openers w/key pads $600 11. Tv Mounts $300 12. Seamless gutters $2, 500 13 Premium Refrigerator $4, 000 14 Premium Stove $2, 500 15 Washer and Dryer $2500
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Our Executive Mortgage Banker:
Our Insurance Division:
$489,000
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 |
|
|---|---|---|---|
| Loan Amount | $391,200 | $391,200 | $391,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.866% |
| Monthly Tax Payment | $758 | $758 | $758 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,345 | $2,441 | $3,222 |
| Total Monthly Payment | $3,178 | $3,274 | $4,055 |
* 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.