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Welcome to this beautifully updated Hammock Cottage in the highly desirable Village of St. James in The Villages®—an outstanding opportunity and possibly one of the best values currently available among Cottage homes. Offering 1, 611 square feet, this 3-bedroom, 2-bath home features the largest floorplan in the Cottage Series with a spacious open-concept layout designed for comfortable everyday living and easy entertaining. Major improvements have already been done for you, including a BRAND NEW ROOF to be completed before closing, BRAND NEW HVAC 2025, BRAND NEW LVP FLOORING THROUGHOUT, BRAND NEW QUARTZ COUNTERTOPS IN KITCHEN AND BOTH BATHROOMS, new interior paint, water heater 2021, and brand new furniture. The open kitchen offers a large island and flows seamlessly into the dining and living areas, creating a bright and welcoming space. Enjoy relaxing on the charming front porch, and appreciate the convenience of a full 2-car garage and whole-home water softener. This home is ideally located near shopping, dining, golf, recreation, and all the lifestyle amenities that make The Villages® so popular. With a low remaining bond balance of just $13, 810. 81 and pricing designed to move, this is a rare chance to own a move-in-ready home in an exceptional location. Annual fire district is $320. 71, annual unit maintenance is $598. 76, annual bond payment is $1, 356. 32, and monthly amenities fee is $199. Buyer’s agent to verify all information. Agent/Owner.
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Our Executive Mortgage Banker:
Our Insurance Division:
$380,000
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 | $304,000 | $304,000 | $304,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.730% |
| Monthly Tax Payment | $135 | $135 | $135 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,821 | $1,897 | $2,482 |
| Total Monthly Payment | $2,030 | $2,106 | $2,691 |
* 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.