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Back on the Market! Take a look at 413 Poinsettia Rd. Once you walk through the door you will be welcomed by the new fresh bright clean interior finishes. The wall of patio doors at the rear of the home let the sunshine into the vaulted family room and open kitchen. This Is a concrete block home, with a metal roof and impact windows throughout. Its bones were not damaged during 2024’s storms. Unfortunately, water did get into the home. However, the owners did it right. Once they were able to start, their builder immediately cleaned and remediated the damaged interior. He obtained the required permits to make the home better than before. The sellers did not stop by doing just the bare minimums. While the walls of the homes were open, they replaced the electrical panel bringing it up to today’s codes. They also replaced the old cast iron sewer pipes with new PVC and installed new tile throughout the living area. The rear sliding doors were replaced with new up-to-date impact resistant panels. Once all this work was completed, the interior was renewed. All new kitchen and bathroom vanities were installed with new quartz countertops. All the appliances are new. The home was re-furnished and is now ready to move in and enjoy. All you need to do is add your own personal touches and transform this home into your own private oasis or a killer vacation rental. This home has a large, screened lanai on the rear that could be converted into a third bedroom with an ensuite bath. The room would have its own access to a secluded brick patio on the side of the house. There also appears to be room for a cozy cocktail pool at the front of the home. The property has 74 feet of deeded canal front with a 30-foot dock constructed with concrete, wood and Trex decking. This is the perfect spot to launch your kayak and maybe sail with the manatees who visit out back. (Check out the photos) The dock gives access to your boat lift, nestled in the mangroves that provide privacy from the water. Should you want to play in the sand, the Gulf Beach is about 500 steps away and the Bay Beach is about 200 steps from your door. Today’s home buyers need to be aware there are many homes on the island that were remediated after the storms with no building permits. City’s Code Enforcement is identifying them one by one. The homeowners will be required to apply for a “permit after the fact”. Do not get caught buying an unpermitted home. This could cause you problems in the future. This does not affect this home. Call to see this beautiful gem on the north end of Anna Maria. It will not last long. Note: also available for sale is the owners 2009 Scout 201 bay boat with a 150HP Yamaha outboard.
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NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,276,000 | $1,276,000 | $1,276,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.312% | 6.235% | 6.183% |
| Monthly Tax Payment | $1,545 | $1,545 | $1,545 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,548 | $7,753 | $10,768 |
| Total Monthly Payment | $9,217 | $9,422 | $12,437 |
* 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.