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FINANCING AVAILABLE -- THIS IS NOT A CASH-ONLY SALE. Unlike many homes of this style and age that have been incorrectly marketed as cash-only, 155 Tompkins Road is financeable through select lenders. Don't let outdated assumptions limit your buyer pool -- conventional and specialty financing options exist for qualified buyers.
Set beneath a canopy of ancient live oaks draped in Spanish moss, this 3-bedroom, 4-bathroom home with a dedicated office sits on 2. 1 acres with 150 feet of lake frontage in the heart of Pomona Park -- one of Putnam County's most quietly coveted rural communities. With a metal roof overhead and room to breathe in every direction, this is the kind of property that doesn't come up often.
Inside, the layout flows the way a home should. The oversized living room anchors the main living space with carpet, natural light, and plenty of room for the whole family. The dining area steps up with wainscoting, hardwood-look flooring, and a chandelier that sets the tone before you even reach the kitchen. That kitchen means business: white cabinetry, granite-look countertops, and a full suite of stainless LG appliances including a French door refrigerator, range, microwave, and dishwasher.
The primary suite is private and spacious with a walk-in closet and its own en-suite bath. Two additional bedrooms, three more full bathrooms, and a dedicated office -- easily a 4th bedroom -- round out a floor plan that works for families, remote workers, or anyone tired of making compromises.
Step outside and the value keeps building. The backyard is fenced and features an above-ground pool set into a custom wood deck -- a resort-style setup ready for Florida summers. Situated right by the pool is a fully equipped separate building housing the laundry and fourth bathroom, complete with electric, water, and air conditioning. This flex space could easily function as a private office, guest suite, or additional bedroom -- making this a potential 5-bedroom property depending on your needs. Multiple sheds on the property provide an abundance of storage, keeping everything organized and out of the way. The covered carport and front porch with rocking-chair space round out the outdoor package.
Two wells and two septic systems give this property a level of infrastructure independence that's rare and genuinely valuable -- no water bills, no shared utilities, built to handle whatever you need.
And then there's the waterfront. One hundred and fifty feet of lake frontage on 2. 1 acres of land -- fish from your own shoreline, launch a kayak before coffee, or simply watch the sun set over the water from your own property. Pomona Park sits squarely in Florida's outdoor paradise -- the St. Johns River corridor. Dunns Creek State Park, 6, 200 acres of hiking, kayaking, and pristine wilderness, is right in your own community. You're 8 miles to Crescent City, 16 miles to Palatka, under an hour to Gainesville, and 75 miles to Jacksonville.
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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 | $207,920 | $207,920 | $207,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.887% | 6.078% |
| Monthly Tax Payment | $45 | $45 | $45 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,280 | $1,331 | $1,741 |
| Total Monthly Payment | $1,400 | $1,451 | $1,861 |
* 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.