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Welcome to this beautifully 3-bedroom, 2-bath, plus bonus room home in the highly sought-after Villarosa community of Lutz. This bright and airy home features an updated kitchen with modern cabinetry and stylish finishes—perfect for everyday living and entertaining. The open-concept layout is filled with natural light and offers serene pond views from the main living areas, creating a peaceful Florida retreat right at home. Enjoy peaceful mornings overlooking the water on the large screened-in Lanai.
Located in the desirable Steinbrenner School District, this home also offers convenient access to shopping, dining, and major roadways while enjoying the charm and community feel that make Villarosa so popular.
• 2018 – Hot water heater replaced
• 2018 – Exterior painted; stucco inspected and repaired where needed
• 2018 – Lanai rescreened and hardware replaced
• 2018 – New upgraded architectural roof installed
• 2019 – Porcelain wood-look tile installed throughout home with upgraded 5-inch baseboards
• 2021 – Full kitchen remodel, including:
Tall cabinets with interior lighting
Soft-close doors and drawers
Multiple storage inserts
Large porcelain sink with new garbage disposal
Hands-free motion sensor faucet
New quartz countertops
All new appliances
All kitchen drywall replaced/upgraded before cabinet installation
2021 – Front yard pavers added to create lower-maintenance landscaping, widen driveway, and enhance curb appeal
2021 – New sprinkler system with Wi-Fi capability and a professionally installed additional breaker in the garage
2022 – New energy-efficient Lennox AC with Wi-Fi thermostat;
2023 – New Samsung Wi-Fi washer and dryer (can be stacked or side-by-side)
2018 Electrical Updates –
• Kitchen island electrical fully redone under the flooring
• Additional outlet added in Bathroom 2 (total of 3 outlets; one tied to kitchen breaker — allows multiple hair appliances to run simultaneously)
• Additional garage breaker added with a dedicated electrical inlet box for generator or large appliance use
• Supports running multiple large items without tripping the breaker/fuse
Things I Love About the House and Location
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Our Executive Mortgage Banker:
Our Insurance Division:
$440,000
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 | $352,000 | $352,000 | $352,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.345% | 6.533% | 5.783% |
| Monthly Tax Payment | $264 | $264 | $264 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,082 | $2,196 | $2,874 |
| Total Monthly Payment | $2,421 | $2,535 | $3,213 |
* 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.