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This elevated two-bedroom, two-bath half-duplex home in Holmes Beach offers an ideal beach getaway with the added benefit of allowing weekly rentals and no HOA. Situated on a quiet cul-de-sac, it's just a block away from Beach Access #69. The home features a front deck, perfect for morning coffee, and a back deck for evening cocktails, complete with a stairway leading to a private backyard. Both decks have been updated with Trex decking, known for its durability and longevity, often lasting many years. The backyard also provides ample space for a future pool. Inside, the home boasts a combined living and dining room and a pass-through kitchen. The primary bedroom includes a walk-in closet with a stackable washer/dryer, and the second bedroom and bath are conveniently adjacent to the primary. Recent updates enhance the home's appeal and functionality, including a new AC in 2018, newer kitchen appliances, newer kitchen cabinetry and waterproof vinyl flooring throughout. Significant exterior upgrades were completed in 2021, such as a new metal roof, Hardie board siding, and impact windows and doors. Hardie board siding (fiber cement siding) is recognized for its durability and resistance to weather, pests and fire. Impact windows and doors offer benefits such as enhanced security, noise reduction, increased energy efficiency and protection against extreme weather, potentially increasing property value and lowering insurance costs. A 6-foot privacy fence was also added in 2021. The ground floor features a garage with tandem parking for two cars or space for one car and a golf cart or bikes. Additionally, a non-conforming space offers flexibility for an office, art studio or other uses. This home is centrally located in Holmes Beach, providing easy access to local shops, restaurants, a dog park, a marina and the 63rd Street boat ramp. Holmes Beach, in the middle of Anna Maria Island, is known for its pristine public beaches and offers various activities and attractions.
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Our Executive Mortgage Banker:
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$775,000
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 | $620,000 | $620,000 | $620,000 |
| 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 | $765 | $765 | $765 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,717 | $3,868 | $5,107 |
| Total Monthly Payment | $4,574 | $4,725 | $5,964 |
* 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.