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Presented by
Broder Team |
Welcome to the picturesque town of Howey-in-the-Hills, nestled on Little Lake Harris within the beautiful Harris Chain of Lakes. This charming, move-in-ready home is a rare find with no HOA fees! Properties like this don't come on the market often. Located on a spacious . 34-acre lot, this 3-bedroom, 2-bath home offers an abundance of living space. Start your mornings in the sunny Florida Room, perfect for sipping coffee or hosting guests. The living and dining rooms provide plenty of room for everyday enjoyment and entertaining. The kitchen features newer white cabinets and a convenient closet pantry, ideal for any home chef. The primary bedroom includes a bonus office area, and an ensuite bathroom with both a tub and a separate shower. The second and third bedrooms offer ample closet space, and there are additional linen and hall closets throughout for extra storage. The hall bathroom has been fully remodeled with a walk-in shower, updated flooring, and a new vanity. Step outside to the screened-in lanai, perfect for enjoying the outdoors in comfort. Major updates include a new roof (12/2025), water heater (10/2025), and an A/C system installed in 2020. A separate building adds even more appeal, featuring a workshop—ideal for tools, lawn equipment, or hobbies, as well as a den/game room with a fireplace and additional storage space. The laundry room is conveniently located in the carport.
This home is located near the Howey Library, shops, restaurants, and salons, with a nearby nature preserve and lakefront park offering a playground, fishing pier, and public boat ramp. Boating enthusiasts will love the easy access to the Harris Chain of Lakes via the nearby Howey boat ramp. Enjoy the perfect balance of small-town charm and big-city accessibility, with Publix, Aldi, shopping, and dining just minutes away. Commuting is a breeze with the Florida Turnpike nearby, offering quick access to Orlando, Orlando International Airport, Walt Disney World, and Universal Studios, all within 40 minutes. Nearby waterfront towns like Mount Dora, Tavares, and Leesburg offer year-round festivals and dining options. Don’t miss the opportunity to experience Florida living at its finest! Please note, this property is cash-only due to necessary electrical updates before securing homeowner’s insurance.
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William Raveis Real Estate
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NMLS Mortgage Loan Originator ID 829975
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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 | $196,000 | $196,000 | $196,000 |
| 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 | $364 | $364 | $364 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,113 | $1,191 | $1,589 |
| Total Monthly Payment | $1,552 | $1,630 | $2,028 |
* 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.