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Welcome to your next smart move in Oldsmar. This 3-bedroom, 2-bathroom home with a 2-car garage checks the boxes that matter, and leaves room for you to make it your own without paying someone else’s design bill.
Inside, you’ll find a functional split floor plan with the kitchen and living room right where they should be, in the heart of the home. It’s the kind of layout that just makes sense for everyday living, entertaining, or pretending you cook more than you actually do. The screened porch out back offers a solid space to relax, unwind, or enjoy Florida evenings without becoming a mosquito buffet.
Now let’s talk honestly. This home could use a little glow-up. Think cosmetic updates, not a full-blown rescue mission. If you’ve been waiting for a chance to build some sweat equity and add your personal touch, this is it. The bones are there, and the upside is real.
The yard is partially fenced, with some sections needing repair, and the roof, installed in 2002, is ready for your attention as well. It’s a great opportunity to roll improvements into your vision and truly make the home your own from top to bottom.
Important updates you’ll appreciate: the AC was replaced in August 2022, so that’s one big-ticket item already handled. The property sits in a non-flood zone and stayed high and dry through both Hurricane Helene and Hurricane Milton, which says a lot. Located in a deed-restricted community with a low HOA of just $35 a month, you get a little structure without feeling over-managed.
Bottom line, this is a solid starter home with good fundamentals, in a desirable area, priced with its potential in mind. If you’ve got vision and a little ambition, this one could turn into something really special. Come see it today!
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
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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 |
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|---|---|---|---|
| Loan Amount | $260,000 | $260,000 | $260,000 |
| 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 | $252 | $252 | $252 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,538 | $1,622 | $2,124 |
| Total Monthly Payment | $1,865 | $1,949 | $2,451 |
* 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.