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Under contract-accepting backup offers. Welcome to this beautifully maintained home in the desirable Spruce Creek South 55+ gated golf course community, conveniently located just 2 miles north of The Villages! This EXPANDED PALM MODEL offers exceptional space and comfort, complete with an oversized garage for extra storage or workspace, along with a charming paver driveway and walkway that enhance the home's curb appeal. Step inside to find freshly painted interiors, soaring vaulted ceilings, and a bright, open living and dining room combination—perfect for both everyday living and entertaining. The spacious layout and generously sized rooms create a comfortable and inviting atmosphere throughout. The kitchen is a true highlight, featuring abundant cabinetry, GRANITE countertops, and plenty of prep space to make cooking and hosting a breeze. Enjoy year-round relaxation in the fully enclosed 23x9 Florida room, which flows seamlessly into a versatile 14x9 BONUS space—ideal for a home office, craft room, or hobby area. Step outside to the 10x15 screened lanai, the perfect spot to unwind with your morning coffee or enjoy Florida evenings. This home is ideally located near the community center and offers access to an array of amenities, including a pool, pickleball courts, fitness center, dancing and exercise classes, social events, billiards, and a library. Plus, enjoy the convenience of golf cart access to nearby shopping, dining, medical offices, and more. For added peace of mind, the roof was replaced in 2024, and the HVAC system was installed in 2014. Don’t miss your opportunity to enjoy the active Florida lifestyle—schedule your private showing today!
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To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$230,000
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 | $184,000 | $184,000 | $184,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.866% |
| Monthly Tax Payment | $129 | $129 | $129 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,103 | $1,148 | $1,516 |
| Total Monthly Payment | $1,307 | $1,352 | $1,720 |
* 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.