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POOL HOME | NEW ROOF 2026 | NON-FLOOD ZONE Spacious layout with flexible living space One of the largest homes in the neighborhood, located in a green community near Valencia Lake and Lake St. George, with scenic paths and natural surroundings. This light-filled, move-in ready home features a spacious and flexible layout rarely found in this area of Palm Harbor. Featuring 4 bedrooms, 2. 5 bathrooms, and an additional room on the main level that can be used as a home office, guest space, or extra living area. The split floor plan, high ceilings, and abundant natural light create an open and airy interior. Upgrades include a NEW ROOF (2026), Italian marble flooring, modern LED lighting, porcelain and granite bathroom finishes, fresh interior and exterior paint, and new carpet upstairs. The primary suite includes dual walk-in closets and double vanities. . The property includes a private screened-in pool and an oversized backyard with space for outdoor seating, gardening, or storage for recreational equipment. Located in a non-flood zone and has never flooded. . Conveniently located minutes from Gulf beaches, top-rated schools, shopping, dining, and outdoor activities, including nearby Honeymoon Island State Park. . This move-in ready Palm Harbor pool home provides flexible living space and access to local amenities.
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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 | $471,920 | $471,920 | $471,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.375% | 6.638% | 5.972% |
| Monthly Tax Payment | $163 | $163 | $163 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,906 | $2,983 | $3,919 |
| Total Monthly Payment | $3,161 | $3,238 | $4,174 |
* 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.