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This very affordable two bedroom, two bathroom home is located in Caribbean Isles Residential Cooperative and offers the perfect setting for those beginning retirement or looking for a warm and welcoming winter retreat. With no lot rent and no CDD, and a low monthly maintenance fee, you can enjoy the comfort of ownership without the burden of high carrying costs. The primary bedroom features an ensuite bath, while a second full bathroom off the hall provides convenience for visiting family and friends. Sliding glass doors from the living room open to a fully enclosed sunporch, creating additional living space that can be used year round as a cozy den, home office, reading room, or extra sleeping area for guests. The home is partially furnished, making it easy to settle in and start enjoying the Florida lifestyle right away. Just outside the kitchen is a screened lanai, a comfortable place to enjoy your morning coffee or unwind in the evening while greeting neighbors as they stroll by on golf carts, bicycles, or walking their pets. With four miles of private roads, you can take daily walks to the clubhouse, heated pool, or lagoon park while staying active and connected. Caribbean Isles is a resident owned 55+ waterfront community designed for relaxed living, offering a clubhouse with regular social events and activities, a heated pool for year round enjoyment, shuffleboard and bocce courts, a dog park, RV and boat storage, and a private boat and kayak launch with direct access to Tampa Bay for those who enjoy time on the water. Located in Apollo Beach, the community provides convenient access to shopping, dining, medical facilities, and major highways for easy travel to Tampa, St. Petersburg, and Sarasota. This home presents an opportunity to enjoy a simpler pace, warmer winters, and a friendly, established community where neighbors become friends.
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Our Executive Mortgage Banker:
Our Insurance Division:
$149,000
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 | $119,200 | $119,200 | $119,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.500% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.533% | 5.794% |
| Monthly Tax Payment | $55 | $55 | $55 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $705 | $744 | $974 |
| Total Monthly Payment | $835 | $874 | $1,104 |
* 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.