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***Seller will consider contributing to buyers closing cost, prepaids or rate buy down. High and dry and by far the best value on the water in MiraBay, this light, bright, and move-in-ready Classic Coastal home offers the perfect blend of elegance, comfort, and Florida waterfront living. This meticulously maintained 4-bedroom, 3. 5-bath residence is ideally situated between a quiet scenic street and a beautiful saltwater canal in the highly sought-after MiraBay community. The thoughtfully designed floor plan features a first-floor library or office, a spacious first-floor owner’s suite, and an open-concept kitchen, breakfast area, and family room with soaring ceilings and abundant windows that fill the home with natural light. The well-appointed kitchen is perfect for cooking and entertaining, offering stainless steel appliances, ample cabinet and counter space, a center island, wraparound breakfast bar, and inviting water views. An elegant open staircase leads to the second floor where you will find a second family room or game room, walk-in closets in every bedroom, two full bathrooms, and a charming veranda that adds a touch of Southern living. Upgrades throughout the home include plantation shutters, wood and tile flooring throughout (no carpet), custom shades in the family room, a screened patio, and an oversized two-car garage with epoxy flooring. A highlight of the property is the recently upgraded private boat dock equipped with water, electricity, storage, and a fish-cleaning station. Bring your boat and enjoy direct access through the mangrove canal to Tampa Bay and beyond, or simply fish from your dock while watching for the incredible aquatic life that frequently visits MiraBay waters, including dolphins, manatees, and stingrays. Residents enjoy access to the MiraBay Club’s resort-style amenities, including a fitness center, lap pool, resort pool with lighthouse slide, poolside grill and bar, lounge, kayaks and paddleboards for the lagoon, playgrounds, parks, tennis, basketball, pickleball courts, and more than 50 social clubs and activities for all ages. Zoned for A-rated Apollo Beach Elementary and conveniently located near Tampa, Sarasota, and the Gulf beaches, this home offers an unbeatable combination of location, lifestyle, features, and value—making 616 MiraBay the complete waterfront package.
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:
$1,120,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $896,000 | $896,000 | $896,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.263% | 6.349% | 6.203% |
| Monthly Tax Payment | $513 | $513 | $513 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,229 | $5,517 | $7,561 |
| Total Monthly Payment | $5,867 | $6,155 | $8,199 |
* 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.