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This one is just waiting for YOU: NEW HVAC (2024), NEW Storm-Impact Windows (2025), Newer Hot Water Heater (2022) and Property Taxes are included in your HOA fees. Safe and Close to so much, just pack your bags and stay for the winter or the whole year! Enjoy easy, resort-style living in this well-maintained 55+ waterfront co-op community at Seminole Gardens. This partially furnished, second-floor one-bedroom, one-bath residence features a spacious living area, laminate flooring throughout, ceiling fans, and centrally controlled heat and air. The bedroom opens to a private enclosed lanai with peaceful canal views, perfect for morning coffee or evening relaxation while enjoying the dazzling array of birds and other wildlife. The unit is located in a land-owned building with low maintenance fees. Co-op ownership offers exceptionally low property taxes, as taxes are included in the monthly maintenance fee. Recent updates include a building roof (2020), exterior paint (2025), and the already mentioned hot water heater (2022), high-end ground-unit HVAC (2024), and storm-impact windows (2025). Community amenities include a heated pool, hot tub, sauna, shuffleboard courts, library with billiards tables, two lakes connected by a canal, mature landscaping, and an active Community Center offering events and classes. Free community bus service runs five days a week. Ideally located steps from Seminole City Center for shopping, dining, and entertainment, close to restaurants, and just four miles from the beach. Located in a non-flood and non-evacuation zone. A perfect seasonal or full-time home offering low-maintenance Florida living. *Please note: this is a non-smoking building.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Insurance Division:
$95,000
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 | $76,000 | $76,000 | $76,000 |
| 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 | $98 | $98 | $98 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $420 | $450 | $606 |
| Total Monthly Payment | $593 | $623 | $779 |
* 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.