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NOT EVERY UNIT IN THE VILLAS OF SAN MARINO LIVES THE SAME. At 2, 538 square feet, this end unit is the community’s largest floor plan, offering a noticeably more open feel with the light and breathing room that come with an end-of-row position and no neighboring building on one side. The main living area is anchored by hardwood floors and filled with natural light from east and south exposures. The kitchen features granite countertops, stainless appliances, a cooking island, and a closet pantry. Fresh interior paint has been applied throughout the entire first floor, the high-volume stairwell, and the upstairs hallway. An open wood staircase leads to the second level, where the upper hallway features an open railing rather than the common closed drywall. Hardwood continues through the stairs and upper hall, while bedrooms are finished with newer LVP flooring. The primary bedroom is notably large, providing enough space for a private reading nook, a home office, or a dedicated workout area. It includes a private balcony with space for seating. While located along Alt 19, the interior is quiet. This is one of the original units built with a concrete block demising wall through to the second floor - a rare construction detail not found in later builds that provides exceptional sound separation. POSITIONING WITHIN the community is a distinct advantage here. As an end unit facing a wider street, the home avoids the "boxed-in" feel found in typical sections, with a front entry that doesn't look directly into a neighbor's door. The outdoor space features a spacious screened, tiled rear patio - a finished upgrade over the standard concrete - positioned to enjoy morning sun and comfortable afternoon shade. Residents enjoy a heated pool, and the Pinellas Trail sits just outside the gates, with walkable favorites like Thirsty Marlin and The Salty Lime nearby. The association is financially sound with strong reserves and proactive planning. The monthly fee covers exterior maintenance, roof, landscaping, cable, internet, and trash - with exterior painting completed in 2023. Located in Flood Zone X500 (no flooding history) and zoned for Palm Harbor University High, Palm Harbor Middle, and Ozona Elementary. This is a refreshed, substantial end-unit townhome in Villas of San Marino at Palm Harbor with a layout widely considered the best in the community, exceptional sound separation, and a feel that is hard to duplicate.
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Our Executive Mortgage Banker:
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$500,000
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 | $400,000 | $400,000 | $400,000 |
| 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 | $553 | $553 | $553 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,463 | $2,526 | $3,322 |
| Total Monthly Payment | $3,107 | $3,170 | $3,966 |
* 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.