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Discover this charming Lake St. Charles split-bedroom home, light and bright with loads of space. The gas HVAC and carpet were just installed (April 2026), and the roof was installed in 2019. The community is not in a flood zone, and the low HOA fees are only $120 per year. This is one of the best open and spacious floor plans in LSC with a large foyer, living room and dining room area, plus a large family room with soaring ceilings and lots of windows for brightness. The kitchen features a gas range, refrigerator with icemaker, an eat-in area and closet pantry. The primary bedroom has sliders to separate shower and water closet. For privacy, the other two bedrooms and a bathroom are on the opposite side of the home. The laundry room features cabinets and an electric washer and dryer that can be included in your purchase. The private back yard has the wonderful 22' screened lanai with decorator ceramic tile and the yard ready for you to design your outdoor life around it. Both vinyl fences were installed April 2026, and the CDD owns and maintains the rear brick wall that gives a lot of character to the yard. Your Google Nest smart thermostat is Wi-Fi enabled and can be programmed into your phone to regulate the temperature when you're away. The water heater runs on gas and the 4-zone sprinkler system valves were recently replaced. The community of Lake St. Charles (LSC) has a 70-acre lake, 2 miles of paved nature paths with 10 exercise stations & benches along the way. The Clubhouse’s huge lap pool, heated spa and covered baby pool overlook the lake and the large bathrooms/dressing areas were remodeled in 2019. Enjoy 15 acres of outdoor park facilities, soccer/baseball fields, 2 basketball courts, 3 tennis courts with pickleball, a dog park, pet watering stations, canoe launch and fishing docks, 2 playgrounds, picnic tables & grills. The park also features a fenced playground installed in 2021, including a 20' tall climbing structure (climb up and ring the bell!), big kids and little tykes play sets, tots' Merry Go Round, newer park bathrooms, benches and a ’75 zip line. Buyers to please verify all pet and rental restrictions, and room sizes as some rooms have angled walls and some measurements include walkways. There are only 2 stop lights to the entrance of I-75 & Selmon Expressway for a short travel to MacDill AFB, downtown Tampa’s hockey arena and convention center, Tampa International Airport and Westshore Mall and International Plaza for shopping. Brandon Mall is only about 12 minutes away. From the Selmon, go non-stop to St. Petersburg, or travel east on the interstate just a little over an hour to Disney in Orlando! Don't miss this strategically priced home in fantastic Lake St. Charles!
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $295,920 | $295,920 | $295,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.313% | 6.398% | 5.710% |
| Monthly Tax Payment | $572 | $572 | $572 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,750 | $1,822 | $2,416 |
| Total Monthly Payment | $2,397 | $2,469 | $3,063 |
* 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.