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Homes like this rarely come available, a better than new 2024 home with a rare three car garage, peaceful pond views, and approximately $25, 000 in upgrades located in the growing Balm Grove community with a low HOA of only $194/year. Located in a USDA eligible area where qualified buyers may purchase with ~ZERO MONEY DOWN~ financing. The garage alone might steal the show on this one! Minutes from Starbucks, Publix, Sumner High School, and convenient access to US-301 and I-75. This beautifully designed home offers 4 bedrooms, 2. 5 bathrooms, a bonus FLEX ROOOM that can be used as an office or den, and 2, 443 square feet of open concept living space with high vaulted ceilings that create a bright and spacious feel throughout the main living areas. The kitchen is truly the heart of the home and perfect for cooking or entertaining. It features quartz countertops, a large island, custom backsplash, crown molding on the 42 inch cabinets, and a spacious walk-in pantry. The living room showcases a custom built-in electric fireplace that adds warmth and modern style to the space. This home also features a versatile bonus office or den, ideal for working from home, a playroom, or additional flex space to fit your lifestyle. Luxury vinyl plank flooring has been installed in all wet areas on top of the builder ceramic tile flooring, giving the next owner the flexibility to keep the current look or remove it and enjoy the tile beneath. All bathrooms feature quartz countertops and tiled shower walls rather than plastic inserts, creating a higher end and more durable finish. The spacious owner’s suite overlooks the peaceful pond and includes a large walk-in closet, double vanity sinks, a walk-in shower, and a generous linen closet. The additional three bedrooms are positioned in their own separate wing of the home, providing privacy and flexibility for family or guests. One of the standout features of this property is the oversized three car garage. In Florida, extra garage space is incredibly valuable since most homes don't have basements or large attic storage. This garage has been professionally upgraded with custom epoxy flooring, water resistant painted walls, and bright studio style LED lighting, creating a clean and versatile space for vehicles, storage, hobbies, or future possibilities. Outdoor living is just as inviting with a large covered front porch and a spacious rear lanai overlooking the pond. The backyard is large and partially fenced, offering plenty of room to relax or entertain. The long and wide driveway also provides generous parking. The community continues to grow and offers a playground, with a clubhouse and pool expected soon. The location provides convenient access to shopping, dining, healthcare, and major roadways while still offering a peaceful neighborhood setting. This home delivers the upgrades, layout, and location buyers want today without the wait or rising costs of new construction. Be sure to save this home to your favorites so you can keep track of it. Opportunities like this in Balm Grove don't come around often. Schedule your private showing before this one is gone.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $323,920 | $323,920 | $323,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $831 | $831 | $831 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,994 | $2,045 | $2,690 |
| Total Monthly Payment | $2,900 | $2,951 | $3,596 |
* 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.